You’ve been preparing all year for the holiday festivities. You’ve bought your perfect dress to match your perfect shoes. You’ve somehow even convinced your husband to agree to wearing that suit that he just hates, but looks so good wearing and conveniently matches your outfit perfectly! The thought of wearing your grandmother’s heirloom bracelet is the highlight of the night!
After having an absolute amazing evening, you look down and notice that your gorgeous bracelet has fallen off your wrist. Where did it go? Your mind goes a million miles an hour retracing your steps. You look down and THANKFULLY it’s laying at your feet. After catching your breath, you realize that you avoided a close call this time, but next time you may not be as lucky!
Check out four easy steps to make sure your jewelry stays as protected as possible.
Don’t wear your jewelry all the time.
Jewelry is delicate and should be removed when you’re swimming, cleaning around your home, gardening, working out, playing sports, and other activities that could harm your jewelry by causing damage.
Check your items regularly.
Every so often you should check your jewelry out to see if the stones are loose or if the prongs have shifted. Is the clasp secure? Is there dirt or has it tarnished? You should also have them looked at by a professional at least once a year.
Updating your appraisals every five years.
The value of metals and stones will change and getting an updated appraisal makes sure that the value is close and properly covered. And don’t forget to update your Bouchard agent of these changes.
Insure your jewelry!
Most people aren’t aware how limited standard home policies can be with jewelry and other fine arts, until they’ve lost an item. Most home insurance carriers place a limit of coverage, which can range between $500-$2,500 in coverage. For a fairly inexpensive price, you can insure your items on a per item or blanket option. Most jewelry insurance will cover you anywhere in the world if the jewelry is lost, stolen, a stone falls out, and for many other possible risks.
Bonus Holiday Tip: Did you know that vodka can make a great jewelry cleaner, when you’re in a pinch? Break out the vodka cocktails… you’ve got jewelry to clean!
As always, speak with your Bouchard agent for questions about coverage options and adding your jewelry to your policies. We hope you have a wonderful holiday season. Be sure to bring out your finest jewelry and dance the night away! It is the most wonderful time of the year, after all!
ABOUT THE AUTHOR
Christin Snow is a Personal Lines Account Manager at Bouchard Insurance. Christin is experienced in all lines of personal insurance. | Connect on LinkedIn