Skip to main content

My Ring is Missing!

By November 18, 2013February 21st, 2020Archived Blogs, Personal Insurance



Homeowners insurance can have severe limitations for treasured possessions like an engagement ring or family heirlooms. Jewelry and your other special collections deserve proper insurance protection. While insurance can never replace the sentimental value and memories, it can provide for the economic loss that you suffer. If you are not certain how to insure your treasured items, call your agent and they can guide you in the right direction.

Before a Claim Happens

  • Prepare an inventory for your contents. Include photos and receipts or appraisals when available. If you have a smartphone, the app, will help to document your possessions and store the information.
  • Keep up to date appraisals of your valued jewelry. We recommend every 3 years.
  • If you have a safe in your home, store your Jewelry in there when it is not being worn.
  • If you don’t wear your jewelry often, storing items in a bank vault will keep your jewelry safe and your insurance company may charge lower premiums.
  • Review your coverage needs with an agent. They can help you to determine the best way to insure your jewelry, family heirlooms or fine arts.

After a Claim Happens

  • Call the Police – whether items are stolen or lost. Ask them to provide you with the incident #
  • Call your agent or insurance company to report the loss
    • Have your policy number available
    • Have a complete description of the cause of the claim
    • Have a description for the item(s) that were lost or stolen – weight, color, clarity and details available. Appraisals are essential.

Your claim settlement will depend on the type of coverage you have. Having the required information for your claim will substantially speed up the claim process and ensure payment is received within a reasonable time.

Author: Jennifer Schuyler, Personal Lines Account Manager

Copyright: Except as otherwise noted, the text and graphics provided on Johnson, Kendall & Johnson’s blog are copyrighted by Johnson, Kendall & Johnson, Inc (JKJ). JKJ does, however, permit visitors to make a single copy of information published on JKJ’s blog for their personal, non-commercial use or use within the organization that employs them. JKJ’s name, logos, and trademarks may not be otherwise used by the visitors in any manner without the prior written consent of JKJ
Disclaimer: JKJ does not assume any liability or responsibility for the accuracy, completeness, or usefulness of the information disclosed at or accessed through the Johnson, Kendall & Johnson blog. Reference in Johnson, Kendall & Johnson blog to any products, services, processes, hypertext links, or other information, by trade name, trade mark, manufacturer, supplier, or otherwise does not necessarily constitute or imply JKJ’s endorsement, sponsorship, or recommendation.