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Valuable Items & Jewelry Insurance

Jewelry insurance is necessary because certain classes of property, like jewelry and art, are only covered to a specified maximum dollar value on standard homeowners policies. This means your $10,000 engagement ring may only be covered up to $1,500. In order to protect their full value, your items should be “scheduled”, meaning they’re specifically listed on your homeowners policy or covered under a separate “floater” policy.

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