How Can I Save Money?

Current Valuation – A collection that has been valued or appraised in the last 2 years is eligible for a significant discount.

Balance – We offer a discount for well-balanced collections. Well-balanced collections are defined as those in which a single item is not more than 30% of the total collection.

Off Premises Jewelry Loss Limitation – Do you keep a safe in your home? Jewelry collections kept in a UL rated, secured home safes are eligible  for the Off Premises Jewelry Loss Limitation which restricts coverage outside the home to a member’s chosen percentage of the total coverage. The remainder is priced at a significant reduction.

For example, if you have $500,000 in jewelry, but you only travel with up to $200,000, if you choose the Off Premises Jewelry Loss Limitation, you are covered outside of your home up to $200,000. In the event of a total loss to your jewelry inside your home, you are covered up to $500,000.

Protection Devices – Central station burglar and fire alarms may help reduce premium depending on the collection classes you wish to insure.