Jewelry Insurance
Protect your most precious possessions.
Loss, theft and damage on engagement rings, heirlooms and luxury watches, written standalone or as an extension of your home policy.
Chapter 01
The home-policy sub-limit is the problem
Most home policies carry an internal sub-limit for jewelry that sits well below what a single ring is worth. The item is technically covered and practically under-insured, which is the worst of both positions.
Owners generally find this out at the point of claim. It is a five-minute conversation to avoid.
A diamond ring and a wristwatch on a jeweller's tray beside a loupe
Scheduled, standalone, or an extension
Individual pieces can be scheduled onto the home policy, or written as a standalone policy. Both approaches cover loss, theft and damage in ways the base sub-limit does not, including the mysterious disappearance that a standard policy will often decline.
Which route suits depends on the value, the number of pieces and what else the home policy is already carrying.
Chapter 03
Appraisals, and keeping the value current
A current appraisal is what makes the coverage real, and metal and stone prices do not stand still. A figure set a decade ago is unlikely to replace the piece today.
We will tell you what documentation a carrier needs and how often it is worth revisiting.
AutoLife places this line with A-rated carriers from the office at 3691 Webber Street, Sarasota. Call 941-210-4499.
Other lines we place
Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.