Leaving your jewelry to be covered by your homeowners policy is sometimes a risky move. Take for instance your ring is lost while on vacation. Your ring would most likely be covered in this case however you would be subject to your deductible which is often times $1,000 or more. On top of that most policies limit the amount of coverage for any one item of jewelry that is unscheduled.
By scheduling your jewelry you can make sure you are insured for the proper value, usually according to an appraisal or recent purchase receipt. You can also rest assured that you will have a much lower deductible in the event of a loss, sometimes as low as $0. Scheduling your jewelry covers your jewelry for a broader number of perils which can mean a world of difference when the unexpected happens to you.
Call Miller Insurance today to go over your coverage and valuables to make sure your prized possessions are adequately covered.