Weekend Insurance Tip: Get that Christmas Jewelry Insured!
Saturday December 22, 2007
If you are Christmas shopping for expensive items, such as jewelry, more than likely you will need a rider on your homeowners insurance policy to cover these items. Most basic homeowner policies only cover up to $1,000 for jewelry. Purchasing a jewelry rider is very inexpensive and will protect each individual piece of jewelry you own not only against damage but theft. If your jewelry purchase is a gift for someone not covered by your insurance, do them a favor and include a reminder note for them to insure their gift.
If someone was going to give a gift of jewelry, and it wasn’t the spouse, I could see that person being someone that the person was dating, and I’m not sure if it would be appropriate to remind them to insure it. Say for example, some guy is dating a girl, gives her gift, and says to insure it. Hm. Not sure about that. If it was his wife, then it would be on the home insurance policy.
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