Editor's Note: This article has been provided by Dan Farrell, a consultant for Enservio and the Consulting Producer for the PBS' “Antiques Roadshow” TV series.
For most people, thinking about their insurance coverage begins and ends with paying their monthly premium. Sure, they are happy to be covered, but if you ask them if they'd receive enough to replace a specific item in the event of loss, then few would be able to reply with any sense of certainty.
This is most strikingly the case with insured jewelry. While most homeowners' policies do cover such items, when an actual loss of an entire jewelry collection does occur, it is a rare owner who receives a settlement anywhere near the true value of the missing items. What most people fail to realize, though, is that the key to avoiding being in that position, largely rests on firmly establishing what they actually own – and making sure their insurer knows too.
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