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Title: <\/strong> Word Count:<\/strong> Keywords:<\/strong> Article Body:<\/strong><\/p>\n I\u2019ve seen it time and time again. Customers come to have estimates or appraisals done for their lost, stolen, or damaged jewelry. They ask if the appraisal can be done without seeing the jewelry or if it can be done based on their recollection of what it used to look like. Unfortunately insurance companies will not accept this form of evaluation or appraisal, and certainly not after the fact. In the following article I will explain what to do in order to properly appraise and insure your jewelry.<\/p>\n Creditable Appraisals<\/p>\n Insurance companies require that your jewelry policy be based on official and creditable appraisals done by a reputable jeweler. Jewelers that have studied or have been train by the Gemological Institute of America (GIA) will provide the most acceptable appraisals. Being trained by GIA ensures a conservative grading analysis and a correct evaluation of the jewelry\u2019s worth. Most insurance companies do not require that you have your jewelry appraised by GIA graduates however; it\u2019s always better to have one done by someone with these credentials.<\/p>\n Your appraisal should include the information regarding the precious metal content including it\u2019s weight, karat purity, and color. The diamonds and gemstones should be described in terms of shape, carat weight, color, clarity, and cut grade. If the diamonds are pre-certified by a grading laboratory then you should give a copy of the certification to the appraiser and ask them to list this information on the appraisal. If possible have the appraiser photograph the items and attach this photograph to the appraisal when submitting to the insurance company. Always keep a copy in a safe deposit box or in a fire proof safe.<\/p>\n Jewelry appraisals should be reassessed every 7-10 years to determine if the value of the items has appreciated. Jewelry is a commodity and like all commodities they are subject to fluctuations in value. In recent years the value of certain diamonds have actually doubled in price because of shortages in the marketplace for high demand shapes and sizes. A loss after such a gain in value without proper reassessments will result in gaps in your jewelry coverage when trying to replace the item.<\/p>\n Choosing the Proper Insurance Coverage<\/p>\n The biggest mistake consumers\u2019 make is assuming that their homeowners insurance will cover them in the event of a loss. This could be further from the truth. The typical home insurance only allows $1500 – $5000 for personal articles and with that is a deductible of $500 – $1500. Along with that is the fact that some homeowners\u2019 insurance policies do not allow for loss of the item, damage, or diamond loss from the setting.<\/p>\n The best way to insure your jewelry is to get a personal articles policy written by your agent. This policy should include loss of the item, theft of item, damage, and loss of gemstones & diamonds. Ask your insurance agent to quote the policy with no deductible and with the above coverage. The going rate for jewelry insurance is $1.50 – $1.85 per hundred and if you\u2019re quote higher then your probably paying too much. To calculate the annual premium take the appraised value of the jewelry and multiply is by the rate and then divide it by 100. Example (appraised value $10,000 X $1.50 = $15,000 Divide by 100 = $150 per year).<\/p>\n Some local insurance agents aren\u2019t familiar with jewelry insurance policies and you may feel like you\u2019re not getting the proper assistance. There are a couple of jewelry insurance companies that provide superior service and if your agent fails to give you proper assistance I recommend you give them a call. The two I like most are CHUBB Insurance and Jewelers Mutual. These companies specialize in personal articles policies and generally have the lowest rates with the best coverage. You can visit http:\/\/www.andrewsjewelers.com\/ and you’ll get more information on these companies.<\/p>\n Insurance is one of those things that you have to think about until you really need it. I will say though that a jewelry insurance policy makes a lot of sense. Let say you have a wedding set worth $5000 that you wear every day. How often do walk around with $5000 cash in your pocket? Almost never right? Well is some cases you walk around with the jewelry equivalent all the time. If you have valuable jewelry that you wear everyday then you are certainly increasing your chances of having an unfortunate loss. Jewelry valued at $5000 can cost as little as $75 per year to insure. It\u2019s worth every penny to give you the peace of mind to wear it with pride and without worry.<\/p>\n ======================================<\/p>\n What you can do:<\/strong><\/p>\n [YES] Can be Renamed, Rewritten or edited. What you CANNOT do:<\/strong><\/p>\n [NO] Give away resale rights for free 1. You may not sell this product or the any of its rights if you ask for a refund. Your license will become null 2. You must keep this license to verify yourself as an official licensee. You must be able to show the license 3. You may not market the product in any immoral, illegal or unethical way (Spam).<\/p>\n 4. You are responsible for your own hosting, download locations, payment processor and customer service to 5. 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Failure to read this notice in its entirety does not void your agreement to this policy should you decide to use this product.<\/p>\n Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you.<\/p>\n The liability for damages, regardless of the form of the action, shall not exceed the actual fee paid for the product<\/p>\n","protected":false},"excerpt":{"rendered":" Introducing The\u2026 645 High Quality Jewelry PLR Articles You can use these plr articles for blog content or re-purpose into other digital formats to market your business online. Who Can Use These Jewelry\u00a0PLR Article Pack? Internet Marketers Coaches Affiliate Marketers Digital Product Resellers Bloggers What Can You Do With These Jewelry PLR Articles? 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\nAppraising And Insuring Your Jewelry<\/p>\n
\n770<\/p>\n
\ndiamonds, insurance, jewelry insurance, insuring jewelry, jewelry appraisals, finance<\/p>\n645 Jewelry PLR Articles<\/h3>\n
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