This article
discusses
best jewelry insurance quotes online, cheap jewelry insurance companies chubb geico.
Insuring good jewelry specifically
against theft can be costly if the loss results from another
catastrophe. Problem: Once a separate schedule covering the theft of
particular pieces is added to the policy, the same valuation formula is
used to determine reimbursement for loss of those pieces due to any
other cause.
Example: A $20,000 ring lost in a fire is reimbursed at its full
appraised value (to the policy limits). However, if the ring were
insured against theft under a separate schedule for $10,000,
reimbursement after the fire would be only $10,000.
Recommended: If the chance of having jewelry stolen is slight, consider
not insuring it against theft.
See
jewelry insurance
for more information.
Selling Family Jewels: Avoid retail jewelers who won't
offer much more than 20% below wholesale value. Better: Offer the jewels
on consignment through a jeweler who takes a 10 % to 15 % commission.
Best: Sell by advertising in newspapers and spreading the word among
friends and associates. Caution: Don't keep jewels at home or list home
address in an ad (a surefire bait for burglars). Important: Have a third
party hold the jewels until the buyer's check clears (including
cashier's checks). Next best: Offer items through a reputable auction
house. They provide free appraisals and estimate the likely price.
Auctioneers receive a 10% commission.
Selecting A Jewelry Appraiser: Avoid appraisers whose
fee is a percentage of the jewelry's value. They are too likely to over
appraise to boost their own fees. Additional trap: The owner's insurance
company won't pay the overvaluation if the piece is lost. Note: Frequent
appraisals are essential if insurance coverage is to keep up with
inflation.
To Best Jewelry Insurance Quotes, Cheap Jewelry Insurance Companies Chubb Geico- Top
Treasures In Your Attic: • Check your junk. Look for:
First-edition books, old records, real fountain pens, 1950s comic books,
original Popeye memorabilia, and so on. Before you price or sell the
object, see what some antique and junk shops are charging. Reason: Only
a professional can see the difference between worthless pieces and those
that are valuable. Good guides: Kovel's Complete Antiques Guide (Crown
Publishers, 1 Park Ave., New York 10016), and Insider's Guide to
Antiques, Art and Collectibles (Cornerstone Library, 1230 Ave. of the
Americas, New York 10020).
• Antique slot machines now sell for $1,500 or more and have been
appreciating at 10 % to 30% per year. Most states permit individuals to
own slot machines but not to put them into commercial gambling use.
• Those old fishing lures with wooden bodies, hand painted finishes,
glass eyes, hook hangers, and metal lips have been replaced by modern
plastic bait paraphernalia. Now they are increasing in value as
collectibles.
• Antique trade cards have been collected as works of art since their
introduction in the early 1880s. These colorful, tiny billboards of the
past were created by American manufacturers who needed to advertise
their products. The cards were distributed by local storekeepers. The
front of the card is a once novel, full-color illustration of the
product, usually surrounded by children, beautiful women, or domestic
animals. The back invariably contains stirring sales copy. Rare cards,
including Currier and Ives editions, bring $10 and up.
• Doll collecting is no longer child's play. A French
turn-of-the-century Bm Bebe, purchased 10 years earlier for $600, sold
at auction in 1979 for $6,000. Though prices of china dolls are soaring,
cloth and rag dolls are still affordable and likely to rise in value.
Finds:
Dolls made by Lend and Chase.
While searching the internet for
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be sure to add to your search string the name of your state and city so
that you get local jewelry insurance. For your convenient here is
a list of US states and biggest cities: in Alabama, in Alaska, in
Arizona, in Arkansas, in California, in Colorado, Connecticut, Delaware,
District of Columbia, in Florida, Georgia, Hawaii, Idaho, Illinois,
Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland,
Massachusetts, in Michigan, Minnesota, Mississippi, Missouri, Montana,
Nebraska, Nevada, New Hampshire, in New Jersey, New Mexico, in New York,
North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania,
Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah,
Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. in New
York, in Los Angeles, in Chicago, in Houston, in Philadelphia, in
Phoenix, in San Antonio, San Diego, in Dallas, in San Jose, Detroit,
Indianapolis, Jacksonville, in San Francisco, in Columbus, Ohio, Austin,
Memphis, Baltimore, Fort Worth, Charlotte, El Paso, Milwaukee, Seattle,
Boston, Denver, Louisville- Jefferson County, Washington,
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Albuquerque, Long Beach, Atlanta, Fresno, Sacramento, New Orleans,
Cleveland, Kansas City, UK, Virginia Beach, Omaha, Oakland, Miami,
Tulsa, Honolulu, Minneapolis, Colorado Springs, Arlington. AL. AK, AS, AZ, AR, CA, CO, CT, DE, DC, FM, FL, GA, GU, HI, ID, IL, IN, IA, KS, KY, LA, ME, MH, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, MP, OH, OK, OR, PW, PA, PR, RI, SC, SD, TN, TX, UT, VT, VI, VA, WA, WV, WI, WY. Use any of the following to enhance your search: low cost cover budget number first on line prices need quick instant general lowest, multiple reviews buy no deposit premium excess ratings green estimate deals sites usa review swift used comparisons, laws policies market import national gap rating information value quotation all family, questions agencies buying payment estimates agency imported which good any costs agent, full coverage stolen shop provider lower advice minimum sr22 average premiums second deal about guide private.
Source: Consumer Information Center
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