Perhaps a pendant, a bracelet or a RING?
I’m sure you want to be sure that it is covered by insurance if anything should happen to it.
The standard homeowners policy provides limited coverage (named perils) and always with a dollar amount limit. This limit may not be enough to cover your valuables. It may be necessary to add coverage by specifically scheduling your items. This can be done easily with a recent appraisal or detailed receipt. By scheduling items they will be covered for everything and with no deductible.
Some companies offer a “blanket coverage” endorsement. The coverage would be the same as if the items were scheduled, but appraisals may not be required. It is always recommended that receipts and photos be kept on file. The main drawback to this type of coverage is that there is a “per item” limit. You want to be sure that this limit will be enough to cover each of your items; otherwise, scheduling the items may be necessary.
Please feel fee to contact us about any questions you may have regarding this or any other insurance coverage. One of our staff members would be happy to help you with the best insurance options available. Check out our collections page for more info on things like jewelry insurance.