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5 reasons why one needs jewelry and diamond insurance

Insurance covers are great lifesavers, especially when it comes to covering any damage or repairs to your car, your house, or other valuable belongings. Similarly, health insurance schemes provide you with much-needed immunity against massive medical bills. Your jewelry and diamonds are more than just your property. They may hold sentimental value in your life. Here are a few reasons why you need jewelry insurance and diamond insurance just as much as other covers:

Protection against theft
Thefts and burglaries are unpredictable. Reported property theft crimes have caused losses worth billions of dollars in recent years in the country. Predictably, jewelry and diamonds are among the most heavily stolen commodities. Diamond insurance and jewelry insurance help you offset the losses caused due to such burglary and keep you at ease at all times.

Coverage for repairs and accidents
Jewelry and diamonds can be just as fragile as they are precious, which is why you may need to spend on repairs of your diamonds or jewelry at least once now and then. Buying diamond or jewelry insurance covers this for you. Additionally, several insurance schemes have global coverage, meaning that repairs made in any region can be covered. However, you will have to get this confirmed with your insurer before purchasing jewelry or diamond insurance for your valuables.

Specific protection is always a wiser option
A homeowners’ insurance policy generally covers the costs of jewelry repairs or replacement up to certain limits in case that detail is specified on the terms of the policy. However, standard home insurance generally limits coverage to $1,500 for the theft of jewelry and other valuables. By purchasing separate jewelry or diamond insurance, you can safeguard the valuables even if their value exceeds your home insurance limit.

The cataloging of the value of your jewelry
Knowing the value of your jewelry is always handy, especially if a piece of specific jewelry or diamond-based item has been received as a gift. Before insuring it, jewelry and diamonds need to be valued. This persuades you to uncover information about the possession, such as information about its age and composition, photographic records of its appearance, its purchase price, and current market value. Complete information about your diamonds or jewelry is helpful for auditing and legal purposes.

Greater protection than warranties
Warranties cover the damage of theft and repairs up to a certain extent. However, warranties only cover the repair costs related to workmanship or accidents. If any damage is caused due to your negligence, a warranty will not cover it. Therefore, you need a diamond or jewelry insurance to protect your valuable goods against damage.

There are multiple insurers available for this purpose. Some names are BriteCo Diamond Insurance and Jewelry Insurance, which offers worldwide insurance coverage, and Jewelers Mutual, which offers jewelry insurance and appraisal services.

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