What Is the Cost of Not Having Jewelry Insurance

Jewelry insurance may not rank up there as the most romantic of Valentine's Day, or birthday gifts, but just imagine if this happened to you:

There is always a sense of excitement when your loved one gives you one of those unassuming little boxes. You start to tingle as you open it, and there it is, glistening at you - diamond jewelry. The last thing to go through your mind, at that moment, is what it feels like if you suddenly lose that precious gift, and all too often it happens.In this article we are going to look at the importance of getting a good jewelry appraisal, how to find a good appraiser, and the actual jewelry insurance.Why do we need a good appraisal?The appraisal will give you a highly detailed description of your jewelry. It will take into account things like:

The colour rating

The clarity rating

Whether there are any inscriptions, and what they say

If the stone is naturalIt will also give you an estimated replacement cost for the jewelry. All of these things will help to settle any claim that you may need to make, in the quickest possible time.How do find a good jewelry appraiser?First, a note of caution, beware of cheap appraisals. We all like to get a bargain, but when it comes to things like insurance, especially for something as valuable as jewelry; you need to know that what you have the jewelry insured for is a true representation of the value.If you have your jewelry valued at $20,000 by someone who doesn't really know what they're doing, you'll be paying premiums based on that $20,000 valuation. If the jewelry is lost, and turns out to 'only' be worth $15,000 then that is what you'll get back, you'll have wasted money on the additional $5,000 it was over valued at.You should look for an appraiser that is recognized by the American Society of Appraisers (ASA), National Association of Gem and Jewelry Appraiser's (NGJA), or the International Society of Appraisers (ISA). Make sure they charge either by the piece, or by the hour (never by a percentage of the appraisal value); is able to provide references; is able to show you a copy of their 'professional profile' (list of history of education and experience); and is up to date on the current market and specialises in one type of jewelry.The institutions recognising them will vary depending on what country you're located in, but the other considerations are still valid.How do you find the best jewelry policy?Looking for a policy is just about as fun as it sounds, but there are quick ways to get started, and trying to better the quotes can often become addictive.The first place to look at is your homeowner's policy. You can contact the company and ask how much it would cost to have the appraised jewelry added to that policy. Don't add it there and then, it's always advisable to have that least three quotes.The company that provides the homeowner's policy may have a separate policy that you can take out with them. If they do, see if they offer a discount seeing as you already have a policy with them. One of the advantages of a separate policy is that you are still covered if you move house, whereas the homeowner's policy may not cover you if you move.Ask people you know who they use for their policies. Word of mouth is one of the best ways of finding out which companies are best when it comes to actually dealing with their clients.Of course, you're going to want to know what you should be asking so as to make sure you get the best cover for your jewelry, and here are some of the key questions:

Is the full valuation cost covered?

Do they have a recommended jeweler that they use, or will they send you the money?

What proof do you need to supply in order to submit a claim?

How do they handle the replacement of jewelry that is either unique, or inherited?

What does the insurance actually cover you for i.e. theft, loss, or damage? Is there anything it doesn't cover you for?There are probably a number of other questions that you can think of to ask, but these ones should be right up near the top of the list.Now that you know what should be appraised in your jewelry, where to find the best appraisers, and how to get a policy that will cover you for as many things as possible that might go wrong, it's time to get out those precious items, and sort out the appropriate jewelry insurance.

Important Things to Know About Diamond Insurance

Whether you're buying it or giving it to someone special, an engagement ring should always have insurance once it's bought.Usually, the first step to getting a ring insurance is to have the ring appraised. Now, here's the critical part. A lot of people tend to claim that they know how to appraise jewelry. It is for this reason that it is recommended to find someone who is qualified or, better yet, is a Gemologist Graduate or someone with a GG degree. Professional gemologists are most likely to give a better estimate on your jewelry's value.Once you've had your diamond ring appraised by a qualified gemologist, you're now ready to look for an insurance company to get your diamond ring insurance policy. In this stage, you actually have the option to either buy what they call a special rider on a homeowner's policy or purchase an insurance policy that specializes on diamond rings. For the first option, you would want to get a special rider to take advantage of a special coverage that will ensure settlement or some form of payment for lost or damaged jewelry. So, in this case, if your diamond gets lost or damaged, the insurance company may be able to provide coverage of up to $1500 or even more. Note though that this amount might already cover all the other jewelry in your possession. For the second option, you can enjoy the possible benefit of getting paid through settlement (cash value policy) in case your diamond ring gets lost or damaged. The downside of this option though, diamond ring insurances tend to be costly.Once you've found the right insurance company, the next step is to send the appraisal of the jewelry. You can either send the details via email, snail mail or fax. Once the insurance company receives the appraisal, they will be able to give a quote for the insured value for your diamond ring. At this point, you can ask them if the insured value they stated would automatically increase over a certain period of time or if another process for appraisal would need to be done in a couple of years or so.Once you have the diamond ring insured, it is now time to pay for the monthly, quarterly or annual premium. On the average annual premiums are at 1.5%. So, technically, if your insured diamond ring has an appraisal of $20,000, your annual premium would then be $300 or somewhere near that range.Lastly, just make sure that you understand everything that's stated in the policy's terms.

Jewelry Lab Certificates and Appraisals

The Difference between Jewelry Lab Certificates and Appraisals

Most people have both jewelry lab certificates and appraisals for their valuable jewelry, but the two documents are not one in the same. They serve different purposes and contain a different set of information that is useful for owners of jewelry, as well as for people looking to buy new jewelry.

Jewelry Lab Certificates and evaluation is often associated, but the laboratory certificate is a document describing information about an unmounted gems, like a diamond that has not been resolved to the jewelry, while the evaluation provides detailed information on the market value of a piece of jewelry, whether seconded or is already defined as a ring, earrings or necklace example.

Choosing Labs and Appraisals

When selecting jewelry and Certified diamonds laboratory evaluations are jewels that are going to buy, you should choose an independent company that provides such documents, rather than relying on documents created by the company that you plan to buy jewelry. Otherwise, you face potential or laboratory surveyor may be biased, because they benefit from the sale of jewelry.

If you already have a gem laboratory certificates and current assessments of the jewels, but the accuracy is uncertain, it can be useful items to be re-evaluated what their current market value.

Jewelry Lab Certificates

Lab certificates jewels are written reports that detail dismantled stone rather than finished pieces of jewelry. The certificates contain information on diamonds (or other precious stones) cut and shape and color of the stone and clarity diamonds grades as decided by the Gemological Institute of America (GIA). Lab certificates contain information on the carat weight and size of diamonds, in view of the corner stone.

Once the lab certificate has been established, do not change unless the stone is physically abused or at a later date as the gem stone was assessed correctly the first time.

Jewelry Appraisals

The reason a people obtain certificates jewelry and laboratory evaluations are to document the U.S. dollar on the diamond, whether for personal investment or just to have a physical folder with precious stones insurance purposes. It is also good to have evidence if you ever decide to sell your jewelry at a later time, or pass it on to family members.

And 'the old wise to be estimated at random precious jewel is stolen, or if you are going through a divorce or estate settlement. Before you buy a new diamond engagement rings, you can also get that he hoped to get a good idea of what the market value of the piece, before shelling out large sums of money to pay, but it is worth asking a piece of money.

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Strategies On How To Purchase High Quality Jewelry

It's no longer uncommon to see people wearing yellow gold and silver jewelry at the same time. When you want to create this look, wear at least one jewelry piece that weaves the two colors together. If not, this could look outdated or mismatched.

Before buying any jewelry, think about what you will use it for. There is no point in filling your jewelery box with things you cannot wear. Try to match the jewelry that you purchase with your style of clothing.

If you cannot afford that dream wedding ring, try buying smaller and then upgrading it later. It's always possible to add the ring you originally wanted as part of an anniversary gift, or any other occasion that is momentous. You can ever find jewelers that give you buy back options so that you can get a bigger sized ring later on.

The cut, color and clarity of a diamond can make a bigger impression than size alone. Most important of all, make sure that the piece you choose complements the nature of the intended receiver.

You should take good care of your hands and keep them attractive if you enjoy wearing rings. Keep your nails trimmed and buffed, or indulge in manicures that will set rings off nicely.

It is possible to make money while keeping your pieces when it comes to jewelry like bracelets and gold necklaces. All it takes is clipping off any excess material, usually only a few inches. You will still keep your piece intact so you can wear it. With several chains of real gold, you can earn a good bit of cash, even a couple hundred dollars, just by shaving a few inches off of your jewelry.

Onyx and crystal can be wonderful jewelry options. You don't have to waste money to get great results.

Always ask the jeweler about an insurance policy before buying a new piece of jewelry. That way, if something were to happen to your jewelry, you can easily bring it back to the jeweler who will fix or replace it. In some instances, you can even insure your jewelry against loss or theft.

If you want to spend a lot of money on some jewelry, then make sure to buy a piece that will last a very long time. Although more expensive jewelry is normally high quality, there are other factors to consider. A modern cut may look wonderful with your style now but clash terribly with your timeless investment pieces several years down the line. Look into buying something that will not go out of style.

If you like to wear diamond jewelry every single day, you may want to consider getting the jewelery professionally cleaned about every six months. Take it to a professional gemologist who will clean the piece and also inspect the setting for loose prongs or other damage.

Use lemon juice to freshen up copper. Exposure to the elements over time may cause your copper jewelry to appear tarnished. Many love the tarnished look of aged copper; however, if you prefer shiny jewelry, simply clean your copper with lemon juice or vinegar.

If jewelry is handled properly, it can be worth a great deal, both in monetary value and in the emotions that are tied up in it. If you know how to properly care for your jewelery, you will be taking care of memories you will have for many years. With the vast amount of information available on jewelry, you may never stop learning how to get the most out of the jewelry you own. By continuing to absorb this information, you can care for your jewelry this way.

Shopping Beads

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Cheap Home Insurance Quotes - A Way To Acquire One

Each of us look at home insurance coverage with different views, numerous see it as being a thing they are able to live without though other people see it as necessity. It doesn't matter what your viewpoint is, what is important is tracking down the most cost efficient packages as in present day financial crisis lots of people are fighting economically. You may have thought about possibly not keeping up your home contents insurance cover however that seems to be a little too drastic a measure to decrease costs. You can do a couple of straightforward things to get the cheap home insurance quotes to meet your requirements. An excellent old-fashioned chunk of shopping around and comparing is the thing that a lot of us are neglecting to carry out with insurance cover and as a consequence we lose out on savings. So, we must tackle the nitty-gritty of how to get your cheap home insurance quotes. As stated the simplest way to help you save a tidy sum is shop around, do some comparisons, get as many like-for-like insurance quotes as possible and evaluate them. Ensure that your comparisons are on deals that are virtually exactly the same or you probably will not get a correct comparison. Is your home protected, do you have good locks on all your windows and doors, do you have an alarm system fitted. When you are lacking both of these then you really need to take a look at them as they can help bring premiums downward and have you your cheap home insurance quotes possible.

Yet one more thing you could think about with your home insurance cover could be the excess you select to pay out, insurance providers demand you have an excess however if you choose an increased one it could help you save some cash on your premiums. Take a look at placing all your insurance policies in one location as it were to check out if any insurance organisation will provide you with a discount for all your insurance cover needs, many do and it can save you a small fortune. If it is possible pay your insurance in just one amount rather than spreading it across the months, insurance firms usually charge a fee for spreading the price. These kinds of easy methods of minimising expenses will get you your cheap home insurance quotes deal. If we mention security in our dwellings we probably do not think of what is actually inside our dwellings that could potentially cause damage like water. In 2010 the price tag on water damage to properties was £730 million via statistics made available via the Association of British Insurers, and that was just about two times the price tag on break-ins inside the very same year! We rarely take into consideration that kind of damage, but by keeping our dwellings well-maintained and carrying out frequent checks we can safeguard against this kind of damage. The cheap home insurance quotes is not going to necessarily be very cheap but you might save a large amount if you watch out for the discounted offers.

Searching for the cheap home insurance quotes is a fairly effortless activity as there are plenty of providers and plenty of great deals offered to new business, meaning it seems sensible to switch. A very important thing to try and do is continually re-evaluate your requirements and keep your insurance firm up-to-date with any kind of variations however minor. If you don't always keep your insurance firm up to date they could find motive not to pay up if you make a claim. Always read the small print and keep your eyes open for other promotions, particularly during the time your renewal is anticipated. Follow these tips and your cheap home insurance quotes might be well within your grasp.

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How To Protect Your Jewelry When Traveling

If you have travel plans in your future, think carefully if you really need to take all your expensive jewelry. The risk of theft, loss and damage increases as soon as you start your trip because you are in new surroundings, doing new activities and often in tourist areas that are the target of pickpockets, thieves and con artists. If you are traveling out of the country, check to be sure your jewelry insurance covers your property when you are traveling outside the United States. Because the risk of theft is so much higher in foreign countries, some insurance companies only provide domestic coverage.


To avoid inviting crime, plan to dress inconspicuously to blend into the environment, especially when in another country. When traveling internationally, consider taking and wearing no jewelry. Criminals assume all tourists are wealthy so if you choose to wear jewelry, turn rings around so the diamonds are not showing and avoid dangling earrings. Large, expensive-looking jewelry is an attractive target and it is easy to snatch dangling earrings. It is never wise to put jewelry items in checked baggage, especially with security personnel going through your belongings. The percentage of bags lost by airlines continues to increase and their liability for your lost luggage is very limited. Keep your jewelry and other valuables like money, keys, wallets, tickets, cameras, and medications in your carryon luggage. If airport security requires going through your carryon, request a private place so other travelers will not see your valuables. Be especially careful with your valuables in hotel rooms because they are open to cleaning personnel several times a day and safes in hotel rooms are not particularly secure. How many times have you walked by hotel rooms with doors wide open and cleaning crews not visible? Professional criminals know the cleaning procedures and can quickly enter your room when cleaning service personnel are not looking. If you do not put your jewelry in your luggage or leave it in your hotel room, that means you are carrying it with you but that can be a problem at the security checks at airports or when carrying something all day as you travel or are sightseeing. Many valuables disappear after being left for a few moments in a bag at a restaurant, transportation waiting room, restroom, or ticket line. Thieves patiently wait for travelers to let their guard down for just a minute and grab their bag without anyone noticing. Theft is only one of the risks when traveling. Often a vacation includes some time at the beach, pool or hot tub. The sand and concrete can easily scratch precious metals in jewelry as well as gemstones that are not as hard as diamonds. Chlorine can also weaken and discolor precious metals. Travelers often expose their jewelry to risks they would never think of doing at home. Carrying jewelry when traveling also needs some special care. Diamonds, gemstones and metal can scratch each other if carried together in a single bag. Place fine jewelry in separate cloth bags or put in separate compartments of a jewelry bag made for travel. Then be sure to carry the jewelry case in a purse or carryon. The purpose of most vacations is to relax, not to impress the locals, so minimize jewelry when traveling. If you do take jewelry, be aware that you are in new and potentially dangerous surroundings. Take special care of your valuables and enjoy your trip.




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How To Care For Your Valuable Jewelry

You've spent time and energy assembling your jewelry wardrobe - to keep it in top condition there are a few care techniques you can employ. While your precious jewelry doesn't need a lot of attention, a little bit of care will make it truly sparkle. In this guide we'll give you some tips on jewelry cleaning and steps you can take to protect your valuable pieces from loss or theft.Cleaning JewelryIn order to keep your valuable jewelry in top condition, it's a good idea to clean it on a semi-regular basis. There are a few methods you can use to get your jewelry into sparkling condition.*Jewelry Polishes & Cleaners - Jewelry or silver polish is generally safe on precious metals like silver and gold. For best results purchase your cleaner from a jeweler and never clean gemstones of any kind with a polish or cleanser.*Ultrasonic Cleaning - If you're looking for a quick and easy way to get great results, try an ultrasonic jewelry cleaner. Ultrasonic cleaners work by passing high frequency sound waves through water. The water particles bounce off themselves, and your jewelry and essentially knock the dirt free. These types of cleaners are often used by professional jewelers and produce great results. Ultrasonic cleaning works best for hard materials like gold, silver and most gemstones. They are not advised for cleaning opals, pearls and other soft stones like coral.Some jewelry, such as pearls and other porous stones like turquoise, lapis and coral should not come in contact with any kind of chemical or jewelry cleaner. For best results, ask your jeweler to clean your porous jewelry for you - most will be happy to do so for no charge.Jewelry InsuranceNo one likes to think that they may lose their jewelry through accident or theft, but the fact is that this is one of the top items that thieves target. Since jewelry is worn and clasps can fail, loss is also something to take into account. If you have valuable jewelry it's a good idea to investigate jewelry insurance. Most homeowners or renters insurance policies have the option to add a jewelry rider. For just a few dollars a year you can insure your jewelry against theft and/or loss. You can also purchase separate jewelry insurance. When shopping for an insurance policy be sure to find out what the deductible is, what type of coverage is provided and whether or not the policy will pay a cash settlement or only for a replacement.Keep your jewelry in top condition by having it cleaned regularly and check with your current insurance provider to see if you can add a rider. Cleaning and protecting your jewelry only takes minutes, and the investment will be well worth it.

Insurance for Jewelry

Besides being portable, personal jewelry has two other unique problems: Items are usually small and easily lost, and jewelry often can only be valued under a microscope. Jewelry is also subject to two policy limitations;

A dollar limit for theft - usually $1,000 per claim - not a limit per item
No coverage for the loss of a stone from its setting (a very common claim)For managing the dollar limit on theft problem, the strategy of raising the dollar limit on jewelry coverage is available from most insurers, usually to a limit of $5,000 to $10,000. Insurers vary, but common pitfalls of this strategy include:

No broader causes of loss being covered.
A per-piece limit of $1,000 to $1,500.
The burden of having to prove the value of what you lost - very difficult to do with unique jewelry. If you can't prove what you lost, you're vulnerable to the insurance company replacing what you lost with a lesser-quality item or gem.The insurance company normally replaces your gem with another gem, instead of cash. This claims practice significantly reduces the number of fraudulent claims for "stolen" jewelry.The strategy of scheduling jewelry items works better because

Almost every accidental claim - including the loss of the stone or even the loss of the entire piece - is covered.

There's no deductible.
An appraisal is required to schedule an item, so there's no dispute over what you lost. You simply take the most recent appraisal to the jeweler who is doing the replacing. She uses the appraisal to closely match what you lost.The only negative of scheduling, besides the cost and hassle of getting an appraisal, is the danger of being under-insured if the value of your jewelry increases. You can protect yourself by updating your appraisals and increasing your coverage limit every three to five years. Out of scores of jewelry claims, I've only had two clients get paid less than the appraised value; in both cases, their appraisals were over ten years old.If you've had a piece of jewelry insured by the same insurance company since the original appraisal was done, you can call the jeweler who did the appraisal and request an updated value. You don't have to prove you still have the piece because it has been continuously insured.The strategy of buying the special-perils causes-of-loss coverage option is only partially effective for jewelry. Though it broadens the kinds of loss covered, it doesn't help with the dollar-limit problem.I find non-insurance strategies - avoid, reduce, or retain - very helpful when it comes to personal jewelry risks:

Avoid the risk for seldom-worn jewelry that you eventually want to pass on to your kids. Pass it on now, while you're still here to enjoy them enjoying it - and the risk now belongs to someone else.

Retain (self-insure) smaller jewelry items - especially those you won't bother replacing if anything happens to them.

Reduce the risk to your jewelry by putting expensive, seldom-worn pieces in a safe-deposit box. Reduce the risk of the loss of stones from their settings by regularly having the prongs checked.There usually is no way to transfer the risk to someone other than through insurance.The burglary risk is reduced significantly when you install a central burglar alarm. Hide expensive pieces to further reduce the risk - the first place the burglar looks is in your jewelry box. If you hide it, don't forget where you hide it.My recommendations for managing your jewelry risks are:

Retain the small stuff - especially items you wouldn't replace.

Schedule items worth $1,000 or more - especially those you would replace. Don't forget to add sales tax to the value of the item.

Add up the values of the items under $1,000 that you would replace, if you want them insured, and then raise the jewelry dollar-limit high enough to cover those items, or to the maximum available from the insurance company. When you talk to your agent, impress her with the technical name for this: blanket unscheduled coverage. Still get appraisals for the unscheduled jewelry items you're covering under the blanket coverage and store the appraisals off-premises. The insurance company won't require an appraisal from you at the time you

buy the coverage as they will for scheduled items, but being able to prove what you lost will greatly enhance your claim settlement.

Store pieces you seldom wear - especially heirlooms - in a safe-deposit box. Insurance can only pay cash. It won't begin to replace the sentimental value of your treasures.

If you have a lot of jewelry, reduce the burglary risk by hiding it and/or adding a central burglar alarm. Consider installing a safe, but be sure it's part of the building (built into the wall or in the floor, covered by a rug).