JEWELRY & VALUABLESOLD

[vc_row css=”.vc_custom_1560793098479{padding-bottom: 50px !important;}”][vc_column css=”.vc_custom_1560787615631{padding-bottom: 45px !important;}”][ultimate_heading main_heading=”Most homeowners insurance policies limit the amount of coverage,” sub_heading_color=”#045a97″ main_heading_style=”font-weight:bold;” sub_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:34px;” main_heading_margin=”margin-bottom:10px;” main_heading_font_size=”desktop:21px;”]for specific items of your personal property like jewelry, antiques, fine arts, musical equipment, firearms and collectibles. Losses to these items are also subject to a policy deductible. One way to protect your valuables for full replacement value is through “scheduling” them onto your homeowner policy.[/ultimate_heading][/vc_column][/vc_row][vc_row full_width=”stretch_row_content_no_spaces”][vc_column][dt_fancy_separator line_thickness=”1″][/vc_column][/vc_row][vc_row css=”.vc_custom_1560787254950{padding-bottom: 40px !important;}”][vc_column width=”1/2″][vc_single_image image=”2540″ img_size=”medium” css_animation=”bounceInRight” lazy_loading=”true”][/vc_column][vc_column width=”1/2″][vc_column_text css_animation=”fadeInDown” css=”.vc_custom_1596625977090{padding-bottom: 10px !important;}” el_class=”product_explanation_righ_side”]A Scheduled Personal Property Endorsement provides coverage for your valuable items at their current replacement value for an affordable additional premium. The amount of coverage is usually determined by a current appraisal, typically no more than two to three years old, or receipts for newly purchased items.

For jewelry, a certified gemologist or reputable jeweler can provide you an appraisal for a fee. They will prepare a detailed description of your jewelry indicating quality, size, photos and estimated replacement cost.[/vc_column_text][/vc_column][/vc_row][vc_row css_animation=”bounceInUp” bg_type=”bg_color” bg_override=”full” bg_color_value=”#f1f1f1″][vc_column][ultimate_heading main_heading=”WHY SHOULD YOU CONSIDER SCHEDULING YOUR VALUABLES” main_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_style=”inset” line_height=”1″ line_color=”#0b4da3″ line_width=”70″ main_heading_font_size=”desktop:25px;” el_class=”line_seperator_heading”][/ultimate_heading][/vc_column][vc_column width=”1/2″][vc_column_text el_class=”whats_included_in”]

Your homeowners or renters policy provides only limited coverage for lost or damaged high value property.

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Personal property schedules are a great option and remove the financial burden of having them replaced.

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The loss settlement is the amount that you scheduled the item for.

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The scheduled item may not be subject to a policy deductible (may have smaller one or no deductible).

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The policy covers all risks, including mysterious disappearance.

[/vc_column_text][/vc_column][vc_column el_class=”call_us_in_product_page”][vc_column_text css_animation=”bounceInRight”] Call us for a quote or questions regarding Jewelry and Valuables Insurance at +1 713 369 0997[/vc_column_text][dt_default_button link=”url:%2Fmodern-business%2Ftestimonials%2F|||” smooth_scroll=”y” size=”medium” btn_width=”btn_fixed_width” custom_btn_width=”300″ button_alignment=”btn_center” animation=”fadeInDownBig” icon_size=”14px” icon_type=”picker” icon_picker=”far fa-question-circle”]CLICK HERE FOR QUOTE[/dt_default_button][vc_empty_space][/vc_column][/vc_row][vc_row disable_element=”yes”][vc_column][ultimate_heading main_heading=”FULL COVERAGE DETAILS” main_heading_color=”#045a97″ sub_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_height=”1″ line_color=”#025b95″ main_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:18px;” sub_heading_line_height=”desktop:34px;” main_heading_margin=”margin-bottom:10px;” line_width=”60″ main_heading_font_size=”desktop:25px;”]Depending on the policy and coverage selections you make, your auto policy may provide the following coverages, subject to policy coverage limits:[/ultimate_heading][/vc_column][/vc_row][vc_row disable_element=”yes”][vc_column][ult_tab_element tab_style=”Style_2″ tab_animation=”Slide-Horizontal” auto_rotate=”Enable” tab_max=”on” font_icons_position=”Left” icon_color=”#031f4b” tab_describe_color=”#045a97″ container_border_style1=”border-style:none;|border-radius:3px;”][single_tab icon=”fab fa-themeisle” title=”Dwelling” tab_id=”1595641320249-3″][vc_column_text el_class=”tab_insurance_content”]

This covers the physical structure or dwelling up to the limit shown on your policy.
Coverage does not include detached structures, such as swimming pools (some Florida carriers do include this), driveways, fences, sheds or other structures not attached to the dwelling.
In the event of a total loss, this coverage should equal the cost to rebuild a new home.
Materials and labor are included and coverage is generally derived by the average cost to rebuild a home in your specific location.
General Perils include Theft, Fire, Lightning, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism, and Malicious Mischief.

NOTE: Land value is not included in the valuation of the replacement cost on your dwelling.
*Please refer to your policy for a complete list of covered perils and excluded perils. On a Condo policy, this coverage is for additions and alterations. It picks up where your master association policy ends.[/vc_column_text][/single_tab][single_tab icon=”fas fa-building” title=”Personal Property” tab_id=”1595641320345-5″][vc_column_text css_animation=”none” el_class=”tab_insurance_content”]

This is to protect the personal belongings owned by you and located on the residence premises, up to the limit shown on your policy.
It includes all real property, i.e., appliances, furniture, clothing, artwork, silverware, dinnerware, cookware, audio-visual equipment, lawn care equipment, books, and many other items.
General Perils include Theft, Fire, Lightning, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism, and Malicious Mischief.
Some types of property such as jewelry have special limits and need to be scheduled to be fully covered.
It is also important to have the replacement cost on contents endorsement, so your belongings are covered at replacement cost and not actual cash value.

*Please refer to your policy for a complete list of covered perils and excluded perils.[/vc_column_text][/single_tab][single_tab icon=”fab fa-creative-commons-nc” title=”Additional Living Expenses” tab_id=”1596272988101-2-10″][vc_column_text css_animation=”none” el_class=”tab_insurance_content”]

This provides coverage for additional costs you incur due to your home being uninhabitable in the event of a covered loss.
This includes housing costs, increased meal costs, increased laundry costs, etc. For example, if your home was not safe to reside in due to damage by a fire, this coverage provides funds for a rental home or apartment during the repairs.
This coverage generally ranges from 10% to 30% of your dwelling coverage.
Sometimes it is a time period and means the reasonable cost incurred for that time period (typically 12 months).

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