For many, the expression of love comes in the form of a beautiful piece of jewelry, and for some the expression of love may be a marriage proposal.  A gift of a lifetime should also carry the assurance that the sentimental and valuable piece of jewelry is covered in the event of loss or damage.

Your standard homeowners or renters insurance policy typically does not cover the full value of your fine jewelry, so be sure to speak to your insurance agent about appropriate coverage.  Personal property insurance can be purchased with nominal rates to cover your most important valuables not covered by your standard insurance policy.

You and your insurance agent will need a proper appraisal to ensure that your fine jewelry will be covered in the event of future replacement.  This means that your appraisal needs to not only take into consideration current value, but inflation and replacement value, as well.  As market values change, it may be wise to have your fine jewelry appraised every two years.  Hood Hargett and Associates can offer discounted rates on appraisals with local jewelers.

Protect your investments in love and fine jewelry.  Contact Hood Hargett and Associates for a personal property insurance quote.  We’ll help you find the best policy at the best price.