You've heard of rental insurance, pet insurance, homeowner’s insurance, and car insurance but have you ever heard of long-term care insurance for your future retirement needs?
Jewelry is an investment and insuring these things makes sense — they are expensive and precious and yet they are seldom insured.
Jewelry insurance is still an unknown concept to many people, even though jewelry is among one of the most expensive things you will buy or own in a lifetime.
Why Do You Need Jewelry Insurance?
If you have a valuable or sentimental piece of jewelry, like a wedding ring, engagement band, anniversary ring, or an heirloom, it is worth looking into jewelry insurance.
Some Jewelry pieces may become heirloom overtime and they cannot be remade should any misfortune befall them.
Just imagine the financial and emotional sting if your fiancé happens to lose the engagement ring that cost you 4-months’ salary.
So if you have anything of significant value, you do need to get coverage, and it's actually really worth it.
Jewelry is meant to be worn and enjoyed, especially if that's something your partner bought for you.
Things to Consider When You Buy Jewelry Insurance
Limits Per Piece - A Policy will often have an overall total you are covered for and also have limitations on how much they will cover per piece.
Loss Circumstances - Certain policies cover basic theft or damage, but may not cover unexplained loss such as the loss when you are out for a vacation or maybe traveling.
Deductible - It is the little amount you pay when you file a claim and the insurance company pays the rest.
Appraisals - Some insurance firms may need an appraisal from a certified appraiser for each piece while in some cases proof of purchase, such as a receipt, can be sufficient for an insurance company. 
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Benefits of Jewelry Insurance
A dedicated jewelry insurance company understands both the physical and emotional value that jewelry has and why it’s so important.
No matter where you are in the world, whether it’s going on your holidays or taking a much-needed vacation, jewelry insurance covers you.
Life is very subjective and we cannot predict when accidents will occur and Jewelry insurance can be there to protect you in the event that tragedy happens and your valuables are taken or broken.
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How to Get Jewelry Insurance
To insure your jewelry, you’ll need an appraisal of the pieces you wish to insure. It will be good if the appraisal is no more than 5 years old since the value of your jewelry can fluctuate.
Once you get your items appraised, make sure to consult a jeweler and you’ll send that information to Jewelers Mutual.
Getting jewelry insurance online can be a fast and easy process. You'll be asked to provide basic information to get a quote, like where you reside and the value of your jewelry piece.
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For more information, stop by Planderful to know more about and start protecting your beautiful jewelry pieces.
