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Jewelry Insurance Policies for Florida

You might be surprised to learn that your homeowners or renters insurance policy does not offer full coverage for your fine jewelry. Many homeowners or renters insurance policies provide less than a $1000 worth of coverage, a renter's insurance policy might have a lower limit for jewelry $500 is the common amount for the policy also They may provide for theft but not loss. Jewelry insurance comes in many forms and varieties and P Fudge & Associates experienced Insurance agents can provide accurate and specific advice for protecting your family heirlooms

Understanding jewelry insurance begins with recognizing the difference between scheduled and unscheduled property.

• Unscheduled property = typically included in basic homeowner or renters insurance policies under blanket coverage. There is a usually a deductible (typically $500) and a maximum amount of coverage (typically $1500)
• Scheduled property = is included in a floater, rider or endorsement to homeowner or renter's policies. Jewelry insurance is also available with a separate policy.

For scheduled property, the insurance appraisal is vital because it describes the jewelry item and provides the "insured value" that is used in determining the premium you will pay to insure the item each year. P Fudge & Associates suggest periodic inspections of your precious items for optimal jewelry insurance protection. While we do not cover normal wear and tear of your jewelry, you'll have peace of mind knowing that during inspections, your jeweler can identify small problems—such as loose stones and faulty clasps—before they become bigger ones. Most jewelry values increase over time, so routine inspections are important for maintaining current values and adequate jewelry insurance protection.Inspections also are a great opportunity to have your jewelry cleaned .If you have any questions or concerns about P Fudge & Associates’s jewelry insurance coverage or how to obtain Personal Jewelry Insurance, you can contact us at 407-965-4253 or fill out the online insurance form above.

P Fudge & Associates has the most affordable Jewelry Insurance, we can write Winter Park Jewelry Insurance, Orlando FL Jewelry Insurance, Kissimmiee FL Jewelry Insurance, Davenport FL Jewelry Insurance, and all of Florida,online Jewelry Insurance quotes Available.