Jewelry Insurance

If you’re like many of us, you own jewelry pieces that have sentimental value – an engagement ring, pair of earrings, or a family heirloom watch – and often bring these items with you when you travel. If you’re planning to travel soon, there are ways you can ensure your jewelry collection is safe while you’re away from home. Here are a few recommendations from our Jewelry Specialists:

Before you travel

  • Make sure you have quality coverage. Check with your insurance agent to guarantee your jewelry is protected no matter where you go – inside or outside the country. It’s also important to have a current appraisal on file, in case your jewelry is lost, stolen, or broken.
  • Document which items you plan to bring on your travels. If you haven’t already, create a jewelry inventory that includes descriptions and photos of each piece of jewelry, copies of current appraisals, GIA certificates, and invoices. Recording which pieces, you bring will help you keep your collection in order and will provide proof of ownership in case of a loss.
  • Check for wear and tear. Before you pack your jewelry, assess to make sure each piece fits correctly, and that there are no loose stones, broken clasps, or damaged prongs. If you find any disfigurements, take your jewelry to a professional for repairs.
  • Find the right carrying case. Jewelers can often suggest the best type of carrying case for protecting your jewelry. You may want a personalized case with interior locks made for travel, and a nondescript box to help conceal the contents.
  • Isolate jewelry pieces with a soft cloth. Use fabric pearl folders to protect necklaces, pearls, and other jewelry from scratches and abrasions.
  • Bring only what you need. Only take the jewelry you will wear while traveling. If you’re not sure you will wear an item, don’t risk it getting stolen or broken on the trip.

While you’re traveling

  • Keep items close. While traveling, keep jewelry nearby and well-protected at all times. Always pack your jewelry in a carry-on bag and never leave it unattended.
  • Keep in mind that you may want to wear some jewelry while traveling. Note that you may have to remove large pieces at security checks, which makes it easier for them to get lost or become damaged.
  • Consider hiring a shipper. If you’d prefer not to travel with your jewelry but want to wear it at your destination, you can hire a shipper that specializes in transporting jewelry and valuable items. Ensure that proper security measures will be taken, such as alarmed vehicles with GPS tracking, two drivers with every shipment, and background checks on all employees. Make sure you or someone you trust is at the arrival location to receive and sign for your jewelry items – never use a dropbox.

Once you’ve arrived

  • Never leave jewelry in the hands of the hotel staff. Always carry your jewelry or bags containing jewelry personally; to maximize safety.
  • Call ahead to make safe arrangements. Take into consideration reaching out to your hotel ahead of time so they can inform you of provided accommodations to protect your jewelry. Hold your items in the hotel’s main safe rather than the in-room safe, which offers less protection.
  • Keep jewelry far from the pool and beach. Jewelry can be damaged during outdoor activities like swimming or while applying sunscreen. Exposure to chemicals, including chlorine or ammonia, can pit or discolor gold alloys.
  • Check that jewelry is secure after outdoor activities. When you’re away in the colder months, going skiing or on other winter adventures, be sure to check that all of your jewelry is in place after you remove hats, scarves, gloves, and jackets.

When you’re back home

  • Review your jewelry inventory. Check that all of the pieces you left with are accounted for.
  • Meet with your jeweler. Have your pieces cleaned and checked for any wear and tear that may have occurred during travel, such as loose stones or clasps, damaged prongs, scratches.
  • Put away your jewelry. Return it to the proper containers or safety deposit box.

Get the Jewelry Insurance coverage you need.

Daigle and Travers Insurance is based in beautiful Darien, nestled between Stamford, Norwalk, and New Canaan. We also serve Fairfield County, Greenwich, Weston, Westport, Wilton, Ridgefield, Redding, Easton, Fairfield, Southport, Trumbull, and parts of Westchester County and Long Island.

Here at Daigle & Travers Insurance, we will provide you with the right coverage to make sure your investments are safe during a disaster. When partnering with us, we will give you all the necessary information and options you need to make the best choice of insurance company and policy. Give us a call today at (203)-655-6974.