Insurance besides homeowners?

[jewels2]

Where can I insure my ering and other diamond jewelry besides my homeowners policy? I just received my renewal in the mail and almost fell over

THANKS!!

 

[Christina...]

You can do a google search for insurers. Many PSers us Chubb or Jewelers Mutual.

 

[TRIALnERROR]

USAA is very competitive, if you qualify.

 

[ibdrinken]

I have my mine insured though USAA

 

[denverappraiser]

Par for the course on premiums is 1-2% of your declared value per year and the homeowners companies are usually actually pretty price competitive. It does pay to shop, especially if you live in a high risk area like NYC or LA. Premiums vary with the type of coverage you get and, of course, the limits you set. You can get lower premiums by increasing deductables, reducing the upper limit (meaning the appraised 'value') and occasionally things like alarm systems on your home, getting a gemprint on the diamond and the like. Jewelersmutual.com has a slick utility for quoting prices online and it's a useful tool for comparsion shopping even if you don't end up going with them.

 

[jewels2]

Thanks everyone!

My search shows that Chubb no longer offers Ins for jewelry only ??? I checked JM and woah! my HO Ins is much better.