28
Sep
2010
Jewelry Insurance
There are many different types of insurance out there, such as pet insurance or homeowner’s insurance, but what about insurance for your jewelry? Typical homeowner’s insurance doesn’t fully cover any type of jewelry on it. That usually has to be purchased separately. However, if you don’t know this, then you are out of luck if something happens to your jewelry.
You can add on insurance for your jewelry, but you need to ask questions first. Ask your agent if there is a deductible associated with the policy and if so, then how much is it? Also, find out if you have to get the jewelry appraised by a certified jeweler before they will insure it. You may have to go to a specific appraiser that works exclusively with your insurance company. Ask if there’s one in your neighborhood and how much the appraisal will cost you.
You also want to find out if your policy is covered while you are on vacation. Is your ring covered if you lose it on the beach in Cancun? Will your watch be covered if you left it in an airport bathroom and it was stolen?
Find out whether you must get a replacement item or if you will get a cash settlement. Many companies require you to purchase the same or similar item in order for it to be replaced. What about jewelry that has been damaged? Check with your agent to see whether or not they cover the cost to fix damaged jewelry.
Take your time in understanding every part of the policy. Make sure to ask any questions that you are unsure about. If you have an agent that is good, they will work with you to answer any questions and also for you to choose the best policy that is right for you to insure any jewelry or valuables that you have.
26
Mar
2010
Security of our Homes and Properties
Right after the incident that happened few weeks ago in our neighborhood, I can;t help but to think always about the safety of our homes and of course of ourselves. Just in case you didn’t know cops and civilian guards came to our house one night at about 10 pm bec. they are chasing a robber. It turned out that the robber was seen hiding at our backyard (though it has a high fence) and they thought they might get inside our house that is why them came.
It was scary for us, they searched the surrounding area and they found none. For sure the robber was able to run fast that they didn’t caught him. We were sleepless that night. These days not only our homes should be secured, our vehicles should be too. It was good that auto insurance quotes are now easily available for vehicle owners. We also need to be careful when we drive and our vehicles should be insured as well. It’s a must I reckon.
26
Feb
2010
Safe to be Secure
These days we can’t be too complacent on everything. Life is too short, things can easily be lost and all things can fade. We should make the most out of everything we do for it will not come back again. Health is wealth like they say and we don’t end up in our hospital bed and pay for soar-high bills that’s why we try to live and eat healthy as much as possible.
Aside from getting health insurance, life insurance policy is also a good option that we can put in our priority list for our family. No one wants to leave their family unsecured in the future. We all want the best for them.