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Tips on Proper Care of Your Diamonds and Jewelry.
Allstate Insurance Company, the largest publicly held personal insurer in the United States, said that by properly insuring diamonds, the policy holder can "rest a little easier" knowing the diamond is covered for loss. But preventing careless mishaps saves both insurer and policyholder money and time, and saves all memories found in one's precious diamond.
The insurer said it handles thousands of lost diamond claims per year. Some of the top reasons for claims could have been avoided, but in these cases the diamond is lost forever, according to the company.
Allstate says: Accidental flushing...unlike the standard drain pipe catch elbow below a sink... that 'other' drain has no way in which to retrieve a diamond after the water flows.
Those who hide their diamond(s) too well could be in for a big surprise come trash pick-up day, Allstate says. "Hiding valuables in your very own secret place," may turn out to be where another family member begins their Spring-cleaning.
When in a public place, do not leave your diamonds up for display...that encourages the diamond to walk away.
Diamond rings belong on fingers...not in pants or jacket pockets.
Is your diamond ring loose? Don't put off sizing until tomorrow...when sizing could be done today.
Diamonds may or may not be covered under personal property coverage. "If you own expensive or rare items, Scheduled Personal Property coverage is a practical way to protect your investment and achieve peace of mind," said Rich Halberg, of Allstate California. "The best part about this type of coverage is that it offers all-risk protection, which means customers are insured for all different types of perils, including loss of the stone, misplacing the item, and so on. Unless the peril is specifically mentioned in the policy as being excluded, then the item is covered."
A current appraisal or bill of sale is required to insure personal items with proper coverage.
When it comes to insuring any newly acquired valuables, there are some important things to consider. Property policies, including renters', condo, co-op, and homeowners, do include coverage of personal property. However, there is often a $1,000 coverage limit for jewelry, watches, and furs, Allstate reports.
"The idea of losing a diamond is certainly devastating," says Halberg. "But by properly insuring your valuables, you can rest a little easier knowing your investment won't go down the drain."
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