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Properly Insure all of Your Valuable Holiday Gifts

shutterstock_61421437Plan on giving the gift of luxury this holiday season? Are you expecting an expensive piece of jewelry? Well, it is important that you know how to properly protect all of your jewelry and other valuable items during the gift-giving times.

Most standard homeowners policies protect your home and the items you own inside, but only up to a certain dollar amount. To insure your valuable items, you can purchase an extension or a “rider” that can be added on to your renters or homeowners policy to protect against theft or loss.

It is crucial you have your gift appraised because it’s important to know exactly how much your jewelry is worth to make certain you’re adequately insured. The value of a piece of jewelry depends on many factors, such as condition, age, color and clarity of the stones and the style.

You should also remember to keep any receipts that show the date you bought the piece, how much you paid for it, and where you purchased it. This should also be kept with a photograph of your item.

For more information on this important insurance coverage, please call OceanPoint insurance at 847.5200.