Homeowners, condo and renters policies can include limits or special conditions for certain valuable property. Jewelry, watches, art and collectibles may therefore need a separate scheduled or specialty review depending on value and the carrier.
Useful quote information includes a description of each item, current value, purchase information, appraisals when available, how and where the property is stored, and any prior losses.
An appraisal is not always required for the initial conversation, but accurate documentation becomes more important as values rise or when a carrier requires proof of value.
The objective is to understand what the current policy would actually do and whether a separate coverage path is appropriate.
Start at cjhadisa.com/quote/jewelry to request a valuables review.
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