insuring High-Value Items
COVER YOUR HIGH-VALUE ITEMS PROPERLY
Make sure to properly insure your valued personal gifts on your Homeowner’s policy. As an example, jewelry items may require special attention on you insurance policy. Some small amount of coverage is given on a Homeowner’s policy, but it is probably not adequate coverage.
You should also make sure your policy includes mysterious disappearance in its coverage. To ensure these items are covered for their full value, you should itemize your jewelry under your policy. When you itemize, you are specifically adding coverage for that piece of jewelry. By purchasing this coverage, the deductible is normally waived and coverage for mysterious disappearance is included.