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 Posted: Thu Jul 16, 2009 3:48 am Post subject: Can jewelry be listed? |
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| I want to know that under the householders' package policy, can jewelry be listed with the rest of the contents of the household or not?? |
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Tulip
New member
Joined: 16 Jun 2009
Posts: 17
9.36 Dollars($)
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| Posted: Thu Jul 16, 2009 4:59 am Post subject: |
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| Jewelry is covered to a certain extent. After that and you would need to add a floater and have it specifically listed with a value. Speak to your agent about this. |
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tcope
Forum Expert
Joined: 22 Nov 2006
Posts: 5066
Location: Salt Lake City, UT
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| Posted: Thu Jul 16, 2009 7:00 am Post subject: |
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Hello Tulip, Tcope is absolutely on target. The jewelleries would be covered but only upto a certain limit under the homeowners policy. But, if you like them to be covered to their true value, you may need to add a floater to the HO policy.
Don't worry, the floaters generally are inexpensive but are great products to ensure your peace of mind. |
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kelvin
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Joined: 22 Nov 2005
Posts: 207
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| Posted: Thu Jul 16, 2009 7:37 pm Post subject: |
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| Quote: | | can jewelry be listed with the rest of the contents of the household or not?? |
Contents coverage is generally blanket coverage so there wouldn't be any listing involved.
For theft jewelry is limited. For other presonal property perils it is covered up to the personal property blanket limit.
In addition to higher limits on theft, an inland marine rider for jewelry will often expand the perils insured against. Unless you already have a special personal property coverage rider.
Ask you agent about your specific policy and what a Jewelry inland marine will cost. |
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Fishman
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Joined: 04 Apr 2008
Posts: 143
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