www.thetablet.org May 4, 2019 18A (StatePoint) – From engagement rings to family heirlooms, your jewelry and other valuables are timeless and important. Luckily, there are steps you can take to help keep these items safe. Insurance experts from Travelers have put together the following tips to help you protect your most treasured possessions: • Insure Your Engagement Ring Immediately Engagement rings hold great senti- mental and monetary value, but many indi- viduals don’t think to cover them under an insurance policy. Valuable items policies, such as a personal articles floater (PAF), insure individual pieces that have a value that may exceed the limits of your homeowners policy. Travelers also offers the option to insure the engagement ring at the same time you insure your wedding. You can learn more about the option by visiting protectmywedding.com. • Store Your Jewelry in Unlikely Places Burglars often know exactly where to look for jewelry and other valuables. Storing your most prized pieces in uncom- mon spaces, such as a bookshelf or your bathroom, can definitely add an extra layer of protection. • Use Safe Cleaning Methods Many people are surprised to hear that warm water and dish soap are among the best methods for keeping jewelry clean. Harsher methods, such as ultrasonic cleaners, can damage certain stones. • Monitor Extreme Temperature and Light Exposure Light and heat can affect the color of gemstones and metals. Extreme tempera- tures can also damage clasps, making it eas- ier for stones to fall out of beloved pieces. • Homeowners Insurance Policy Spend some time getting to know your homeowners insurance. While it cov- ers your home and its contents, typical policies only cover up to $1,500 of jewelry. If your jewelry has a higher value than that, it’s worth considering an additional policy, such as a PAF or the Valuable Items Plus program from Travelers, both of which provide coverage for items of higher value. You can ask your insurance agent or carrier about other policy options, includ- ing what their limits are and how to add them to your overall insurance program. It may be hard to imagine the theft or loss of your most valuable possessions, but these things happen, and that’s why it’s important to take steps to protect your jewelry. With customizable insurance options and care, you can help make sure your jewelry survives each day. Five Ways to Protect Your Jewelry and Valuables Photo © marchsirawit/stock.Adobe.com p Timeless and important valuables deserve to be safe and sound in your home.

Five Ways to Protect Your Jewelry and Valuables · to family heirlooms, your jewelry and other valuables are timeless and important. Luckily, there are steps you can take to help

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Page 1: Five Ways to Protect Your Jewelry and Valuables · to family heirlooms, your jewelry and other valuables are timeless and important. Luckily, there are steps you can take to help

www.thetablet.orgMay 4, 201918A

(StatePoint) – From engagement ringsto family heirlooms, your jewelry andother valuables are timeless and important.Luckily, there are steps you can take tohelp keep these items safe.

Insurance experts from Travelers haveput together the following tips to help youprotect your most treasured possessions:

• Insure Your Engagement RingImmediately

Engagement rings hold great senti-mental and monetary value, but many indi-viduals don’t think to cover them under aninsurance policy. Valuable items policies,such as a personal articles floater (PAF),insure individual pieces that have a valuethat may exceed the limits of your home-owners policy.

Travelers also offers the option toinsure the engagement ring at the sametime you insure your wedding. You canlearn more about the option by visitingprotectmywedding.com.

• Store Your Jewelry in Unlikely PlacesBurglars often know exactly where to

look for jewelry and other valuables.Storing your most prized pieces in uncom-mon spaces, such as a bookshelf or yourbathroom, can definitely add an extra layerof protection.

• Use Safe Cleaning MethodsMany people are surprised to hear

that warm water and dish soap are amongthe best methods for keeping jewelryclean. Harsher methods, such as ultrasoniccleaners, can damage certain stones.

• Monitor Extreme Temperature and LightExposure

Light and heat can affect the color ofgemstones and metals. Extreme tempera-tures can also damage clasps, making it eas-ier for stones to fall out of beloved pieces.

• Homeowners Insurance PolicySpend some time getting to know

your homeowners insurance. While it cov-ers your home and its contents, typicalpolicies only cover up to $1,500 of jewelry.

If your jewelry has a higher value thanthat, it’s worth considering an additionalpolicy, such as a PAF or the Valuable ItemsPlus program from Travelers, both of whichprovide coverage for items of higher value.

You can ask your insurance agent orcarrier about other policy options, includ-

ing what their limits are and how to addthem to your overall insurance program.

It may be hard to imagine the theft orloss of your most valuable possessions, butthese things happen, and that’s why it’simportant to take steps to protect yourjewelry.

With customizable insurance optionsand care, you can help make sure your jew-elry survives each day.

Five Ways to Protect YourJewelry and Valuables

Photo © marchsirawit/stock.Adobe.com

p Timeless and important valuables deserve to be safe and sound in your home.