Tuesday, May 29, 2012

Jewelry Coverage, Diamonds and Gold - Homeowners Insurance Melbourne, Florida

State Farm Home Insurance - Jewelry Coverage, Diamonds and Gold - Homeowners Insurance Melbourne, Florida.
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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from State Farm Home Insurance . Jewelry Coverage, Diamonds and Gold - Homeowners Insurance Melbourne, Florida Insurance Center of Central Florida www.theinsurancecenter.us Is your Jewelry covered under your Homeowners Policy? Log on to www.TheInsuranceCenter.us for complete details. Frank: The next thing we want to talk about are some items that either have limited coverage or no coverage under your homeowners policy, and that can come back and haunt you. Could you explain some of those to us, Kevin? Kevin: Absolutely. One that people are always concerned about is coverage for jewelry, and the reason is because it's valuable! If something happens to it, you want it back. It's not just that the item's valuable, it has a tremendous emotional attachment to it. And so, having enough insurance for an item like that is extremely important, and that's why it's very important that you know exactly how much you have in your policy versus how you probably need to make sure that it's actually replaced. Frank: well, I'm going to answer that. Most homeowners policies only give you a thousand dollars for the theft of your jewelry. No coverage whatsoever if you lose it. So, one of the things that you can do, you can add special coverage for your jewelry, and it's based on the appraised value. So, you do need an appraisal. But what it'll do for you is it will give you is-- when you do that, there's no deductible, and if you lose that item or it's stolen, you'll get coverage. All you do is turn in a police report and ...
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