With Valentine’s Day swiftly upon us, you may be spending a bit of your time poring over jewelry cases or browsing popular websites. After all, nothing says love quite like a piece of beautiful, unique, precious and likely expensive jewelry. If you’re going the precious metal and gemstones route this V-Day, you’re likely to score big points. But make sure you don’t lose out later; talk to us about a Las Vegas homeowners insurance rider.
You already know that homeowners insurance goes a long way in keeping your property protected. Your Las Vegas homeowners insurance policy include coverage for structure, liability and even much of the contents of your home. That said, most home insurance policies also have set limits on specific types of possessions, jewelry being one of them.
Las Vegas Homeowners Insurance Riders
If you have one or more pieces of valuable jewelry (or firearms, artwork, rugs, furs, etc.), you may want to talk to us today about adding a rider to your existing homeowners insurance policy. To issue you a jewelry rider, we’ll likely need records surrounding your jewelry, such as payment receipts, appraisals and certifications. If you do not have an appraisal of a particular piece of jewelry on hand, you can usually get one inexpensively from a local jeweler or appraisal company.
If you move from your home, remember that your jewelry rider isn’t going to follow you to your new place. Just as you’ll need to purchase new homeowners insurance when you buy a house, you’ll also need to add in a new jewelry rider.
This Valentine’s Day, give a gift that really means something – without worrying about keeping it protected. Talk to us today about adding your jewelry to your Las Vegas homeowners insurance policy with a home insurance rider.