Jewelry Insurance: Just in Time for Valentine’s Day!

In Uncategorized by Madison Collins

It’s Valentine’s Day!  The holiday is famous for chocolates, cards, romantic dinners, people who love long walks on the beach… and for some, it’s a day to commemorate with a romantic gift of jewelry, or even a proposal!

Whether you’re celebrating the beginning of love or the many years of commitment, a piece of jewelry can be sentimentally valuable and a financial investment.
Personal property is covered under a homeowners policy, but if you receive an expensive present of jewelry, it’s a good idea to call us and make sure that it is properly covered.

Sometimes policies hold limits on how much will be paid in the event of a  jewelry claim. So if you have a rare or very valuable piece, the limit on what your homeowners/renters policy pays out could only repay part of its worth.

In some cases, you made need special  coverage added to your policy to adequately cover the jewelry and replace it if lost or stolen. Sometimes this process requires a receipt or an appraisal.

When adding jewelry coverage to your policy, it is well worth the relatively small increase in premium to know that your expensive and sentimentally valuable possessions are covered adequately!

Give us a call at (951) 296-6678, email us at, or visit us in our office to have a conversation about making sure your jewelry is properly covered by your policy.

And, of course, Happy Valentine’s Day from all of us at Winchester & Associates!