Jewelry Insurance

Insure Your Jewelry Collection with Tri-State Insurance Agency

A necklace here, a watch there, a ring, a bracelet and so on – birthdays, graduations, holidays, and other special occasions (and of course, weddings and anniversaries) are often marked by a gift of jewelry. Over the course of even just a few years, it’s very easy to amass a small fortune in jewels, gold, and other precious metals, especially considering how the price of gold alone has skyrocketed over the last few years.

In fact, the professionals at Tri-State Insurance Agency believe it’s a good idea to have a professional appraiser evaluate the worth of your jewelry if you haven’t done so in a long while. The total value may surprise you—along with the realization that homeowners insurance offers a limited amount of coverage for jewelry. Even those policies created especially for very expensive homes (which feature higher-than-typical coverage amounts and policy sub-limitations) restrict the amount it will pay for jewelry losses as well as other high-end items such as furs, silverware; wine, stamp, or coin collections, and so on. Because our clients in Somerset, Morris, Bergen, and Monmouth Counties in particular reside in some of the wealthiest areas in the nation, it’s quite likely that many of them may need to consider additional protection for these beautiful items.

Jewelry coverage is a shining example of what we can offer you.

Fortunately, jewelry and other distinctive, expensive collections can be insured with a policy that’s obtained either on a separate basis or as an addition to the homeowners policy. In some cases, insurers may offer coverage with a built-in inflation device, which replaces an item at a cost of up to 50 percent more than the amount listed in the policy. The policy can also be structured so that if an item is lost, stolen, or damaged, you can elect to repair it, replace it, or simply keep the money paid via the claim. And because many of our clients travel extensively, we can set up the policy to cover you, on a no-deductible basis, wherever you are in the world.

Throughout Pennsylvania, northern New Jersey, New York and surrounding environs, let Tri-State Insurance Agency serve as the go-to professional for your comprehensive personal insurance needs. For a free consultation and quote, we invite you to call us toll-free at 888.990.0526, email us or complete the form on this page.