A reminder to insure your valuables

Giving jewelry to your sweetie this Valentine’s Day? If you are, don’t forget to take proper steps to insure your valuables.

Typically, coverage for personal property can be covered under a homeowners or renters policy to protect valuables such as jewelry from theft or environmental concerns such as fire, lightning, etc. However,unless your property is scheduled, or specifically itemized with a value on your policy, your home deductible will apply to a loss. You can purchase an extension to your homeowners insurance (called a “rider”) to cover expensive or sentimental items, like jewelry.

Call your account manager at PDCM Insurance to discuss expensive jewelry items which may be scheduled at a nominal premium charge. Learn more about insurance coverage and strategies to keep you safe, from our partners at West Bend Insurance.

Tips to properly protect your jewelry:

  • Have your piece appraised so you know the correct value
  • Ensure your piece is properly insured for the correct amount
  • Keep a photo of each individual piece in order to itemize
  • Have your jewelry inspected regularly to check for damage or defects

Whether your jewelry is brand new or a sentimental heirloom, it’s good to have it protected. To learn more about your options, contact PDCM today.

A reminder to insure your valuables by
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