All Insurance Industry Insights on Monday, September 18, 2023
Like any significant investment, you must make an effort to care for the gems and jewels in your collection. Jewelry requires cleaning and care on a regular basis to ensure that it sparkles and shines long after you pass it on to your children and grandchildren.
To ensure that your jewelry has a long and sparkling life, consider these care recommendations:
-- Always store your jewelry in a jewelry box or trunk when it is not being worn. This will protect it from dust and other particles that will diminish its appearance. When storing jewelry, also remember to refrain from stacking items on top of one another. Pieces with stones may scratch soft metal items.
-- Most jewelry can be cleaned simply with water or mild dish soap. After cleaning, dry your pieces with a lint free cloth.
-- Do not expose your jewelry to extremely hot temperatures, dry conditions or sudden changes in temperature, as many stones (emeralds, opals and pearls, for example) can be damaged by these conditions.
-- Do not wear jewelry while exercising or playing sports, as it can break on impact.
Look to insure your precious jewelry pieces?
Have all jewelry appraised in store or by an independent appraiser. List all pieces separately and review your homeowners insurance policy to determine whether the value of your jewelry exceeds the limits of your current policy. To ensure that your jewelry is covered properly, have the pieces inspected and reappraised regularly and update coverage accordingly with your PDCM agent.