Mebane, North Carolina
209 N Third St.
Mebane, NC 27302
(919) 563-3276

How Home or Renters Insurance Can Protect Your Jewelry November 19, 2018

Mebane, Alamance
How Home or Renters Insurance Can Protect Your Jewelry, Mebane, North Carolina

Jewelry is one of the most common gifts people give during the holidays. If you’re lucky enough to be the recipient of a new expensive piece, one of the first things you’ll want to do after all the presents have been unwrapped is call your homeowners or renters insurance provider. It’s important to learn whether or not your current policy will adequately cover the latest addition to your collection. If not, your agent can suggest the best policy upgrade for your new treasure. In the meantime, here are some things you should understand about your coverage and how it can help protect valuable jewelry items. 

Is Your Jewelry Covered by Insurance?

How Jewelry Is Covered Under a Standard Policy 

Nearly every standard home and renters insurance policy includes coverage for jewelry. However, most providers place limits on how much you can be reimbursed in the event of damage or theft. This means you will only receive part of the item’s value. Also note that jewelry is only covered if a loss occurs due to certain perils, such as fire, hail or windstorm, electrical current, freezing pipes, explosions, vandalism, and theft. 

Why You Might Consider Buying Additional Coverage

renters insuranceIf you have a collection of jewelry that is much more valuable than the maximum limit offered by your home or renters insurance policy, it’s a good idea to consider purchasing a rider provision. These are designed to provide higher amounts of coverage than a basic policy. Some riders will also cover accidental loss in addition to damage and theft, increasing your peace of mind that you will be protected no matter what happens. 


Considering the sentimental and actual value of your jewelry pieces, it’s crucial to make sure you’re properly covered in the event of a theft or disaster. The professionals at Farm Bureau of Mebane-Caudill Agency can help review your existing home or renters insurance policy to determine if you can benefit from extra protection. For over two decades, they have remained a trusted source in Mebane, NC, and the surrounding areas for high-quality coverage at competitive prices. Call (919) 563-3276 to schedule an appointment or get a quote online.



Other Announcements, Events and Deals from Farm Bureau of Mebane-Caudill Agency
A Guide to Life Insurance for Estate Planning , Mebane, North Carolina
Many people think of life insurance as a way to provide an income to their loved ones in the event of an untimely death. However, it can also play an integral part in estate more
A Freelancer's Guide to Business Liability Insurance , Mebane, North Carolina
Every business is exposed to a certain level of liability risk. While it may be difficult to imagine yourself getting sued if your days are spent freelancing behind a computer, more
How to Set Up a Trust for Your Grandchildren, Mebane, North Carolina
If you’re looking to give a gift to your grandchildren, setting up a trust is a wise and forward-thinking option. Not only will you be helping them, but this form of estate planning more
Homeowners Insurance Riders: What They Are & When You Need Them, Mebane, North Carolina
The standard homeowners insurance policy protects most of your personal possessions that are damaged, stolen, or destroyed in a covered event. However, especially valuable items more
3 Tips for New Families Choosing Life Insurance Coverage, Mebane, North Carolina
Starting a family is one of life’s most rewarding experiences, but it’s also an incredible responsibility. Life insurance is a vital tool for your young family, allowing you to more