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https://www.estatediamondjewelry.com/claiming-insurance-lost-engagement-ring/
Sep 29, 2017 · Know Your Policy – This may seem obvious, but you must know what exactly you are claiming for. Not the ring itself, but how the policy is set up to pay out. Generally, the two types of jewelry (or any) insurance are “Cash Value” and “Replacement Cost”. They may seem like the same thing, but they’re not. A cash value policy will take into account depreciation from the cost at the time of purchase, and you can be sure your insurance …Reviews: 7
https://www.jewelersmutual.com/jewelry-insurance-claims
You choose your own deductible with Jewelers Mutual, with a $0 option. Each time you file a claim, regardless of the type, you pay your deductible in full, directly to your jeweler of choice. If multiple insured items are lost or stolen at once, you pay only one deductible, whichever is highest.
https://www.karipearls.com/insurance_for_jewelry.html
It is better to know this information prior to making a claim. If you have a large jewelry collection, take inventory. If your insurance company determines you have a covered loss, they may require proof of purchase for insurance for jewelry. It is a good idea to keep all your receipts, invoices, and appraisals.
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