IMPORTANT FACTS TO KNOW ABOUT JEWELRY INSURANCE
Appraisal or Jewelry Insurance Replacement Report does not insure your
must purchase the insurance to be properly protected in case of a loss.
Typically, jewelry is insured through a homeowner’s or renter’s
insurance policy, either under the general limit for jewelry, or as a
scheduled item for which you pay an additional premium. We recommend you
discuss all of the following questions with your insurance agent before you
insure your jewelry and ask your
agent to show you the language in your policy that addresses each of these
types of jewelry insurance are available?
I have a claim, can I go to Curt Parker Jewelers? If not, how much of
the appraised value will you pay?
often should I have my jewelry appraisal updated?
if the item lost is irreplaceable, such as an antique?
there any geographic limitations to my coverage?
proof is needed to justify a claim?
my policy cover all-risk? Lost stones? Broken or damaged stones?
Mysterious disappearance? Theft? Fire?
my jewelry covered for inflation or only for the appraised value? What
if there is a sizeable increase or decrease in value during the year of
I have a deductible on my policy? Do I have the option to increase the
deductible and thus lower the premium? If so how much?
happens if I lose one earring or cufflink?
there an insurance premium discount if I keep my jewelry in an in-home safe
or a bank safety deposit box?
REMEMBER¾ Having an appraisal does
not insure your jewelry. You must contact your insurance agent and purchase the proper
Jewelry appraising is a profession. We have an up-to-date AGS Accredited Gem Laboratory
with an experienced and gemologically trained staff. our American Gem Society Certified
Gemologist Appraisers are recognized in the United States and Canada. It is our commitment
to serve you well.
When you need a new jewelry appraisal, please call for an appointment. Bring in your
copy of our old appraisal with your jewelry and we will update it AT NO CHARGE TO YOU. For
items we have NOT appraised there will be a charge. We will carefully examine every facet
of your jewelry. We will clean, polish, tighten stones and adjust clasps as part of our
appraisal and appraisal update service.
As always, our pledge is to provide continued excellence in quality and service.