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Reimbursement for stolen jewelry



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graphic613




 
 
    
 

Post Sat, Nov 19 2022, 4:58 pm
Will my insurance company cover my assumed stolen ring and bracelet? I don't have a receipt or appraisal for them and no proof they were actually stolen- just a suspicion because they are suddenly missing and I did have some workers in my home...
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Israeli




 
 
    
 

Post Sat, Nov 19 2022, 4:59 pm
Did you have insurance on them? Most homeowners policy require a special rider to cover jewelry.
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graphic613




 
 
    
 

Post Sat, Nov 19 2022, 5:05 pm
I did not have extended coverage for jewellery but it covers personal property
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mommybrr




 
 
    
 

Post Sat, Nov 19 2022, 5:09 pm
Depends on your policy. I have had lost jewelry reimbursed after a $500 deductible with a renters insurance policy.
Ask your broker- most will advice not to claim for a few thousand dollars cuz your rates will go up a lot
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Shmaichel




 
 
    
 

Post Sat, Nov 19 2022, 5:13 pm
mommybrr wrote:
Depends on your policy. I have had lost jewelry reimbursed after a $500 deductible with a renters insurance policy.
Ask your broker- most will advice not to claim for a few thousand dollars cuz your rates will go up a lot


Which company do you have?

I also have $500 deductible and I thought I needed an additional jewelry coverage so didn’t even try…

Did you need a police report to claim?
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mommybrr




 
 
    
 

Post Sat, Nov 19 2022, 5:28 pm
I did not file a report. I said it was lost.
They asked for a picture and did their own appraisal.
It was Hanover renters insurance, quite a few years ago.
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watergirl




 
 
    
 

Post Sat, Nov 19 2022, 5:31 pm
You should ask them for sure. But usually you have to have a special jewelry rider which includes an appraisal.
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doctorima




 
 
    
 

Post Sat, Nov 19 2022, 6:13 pm
Without a receipt or appraisal could be difficult. Do you have a way of getting a receipt from the store you bought it from, depending on how long it's been? Or at least an up-close photo you could submit with the claim. And as others have said, depending on its value and your company, you may need a separate jewelry rider.
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