How and when should I insure my jewelry or art work?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 10, 2010

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Insurance Question from Fort Lauderdale, FL

Asked on 05/10/2010

How and when should I insure my jewelry or art work? NULL

Answer given on May 23, 2010

First of all you should check with your agent/insurance company to see what coverages you already have. If you have items of jewelry or art work that exceed the limits you have then you should be able to specifically schedule these items for more premium on your policy.  What you want to find out is what deductible you would need to pay, what causes of loss are covered, and if an appraisal of the item is needed.  If your current insurance company cannot offer the extra coverage, then there are companies that will write just this type of coverage, which your agent will be aware of.  It certainly wouldn’t hurt to have an appraisal and/or photos of high value jewelry and/or art work that you choose to insure.


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