Insuring Your Jewelry

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        The best way to protect your jewelry is to make sure it is insured. You can do this by scheduling your jewelry onto your Florida homeowner’s insurance policy. According to, the four top reasons why you should consider scheduling your jewelry onto your home insurance policy are the following:

Most policies limit the amount of coverage for theft of jewelry
Low or No deductible for covered losses
Establishes a set value for the payment of the piece’s replacement cost
Expands the kinds of loss covered to include mysterious disappearance, breakage, and other kind of loss

        In order to find the replacement value for your jewelry and to schedule it onto your home insurance policy, you will need to have it appraised. Since the value of jewelry fluctuates over time, it is recommended that you have your jewelry appraised every two years. You must supply your insurance company with many details about your jewelry such as: the cut, carat, clarity, number of diamonds, and the serial number. All of this information would be covered in a jewelry appraisal completed by a certified professional. 

        Frank Bartle Jr. with 3rd Generation Antiques is a local gemologist that can complete a jewelry appraisal for you. If you reference Westgate-Jones Insurance, you will be eligible to receive a 10% discount. You do not have to schedule an appointment during regular business hours (Tuesday-Friday 10 A.M.-5 P.M.), but in order to avoid delays you can call (352) 483-4367 to schedule an appointment. 3rd Generation Antiques is located on 121 N. Bay Street in Eustis.   

        If you have any questions about scheduling your jewelry, new or old, onto your home insurance policy, contact Westgate-Jones Insurance Agency at 352-787-7548 today, and make sure to check out our website!

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