Seguro de Joyería y Anillo de Compromiso
Cobertura programada para un anillo de compromiso, reloj o pieza heredada, asegurada a un valor acordado contra pérdida, robo y daño. Llena los sublímites bajos que deja una póliza de hogar o de inquilino.
Licencia de California #6020106
Menlo Insurance Services es el nombre registrado de Opero Labs Inc., con licencia del Departamento de Seguros de California.
Con licencia en cuatro estados hoy
California, Texas, Pensilvania y Nueva York. Las solicitudes en Ohio, Carolina del Norte y Michigan están en trámite ante esos estados. No cotizamos en un estado antes de que su licencia sea emitida.
Corredora independiente
Tenemos nombramientos con varias aseguradoras, así que la cotización se compara en el mercado en lugar de salir de un solo estante.
Qué cubre esta póliza
Your ring and fine jewelry
Engagement rings, watches, and heirloom pieces, insured for an agreed or appraised value.
Loss and mysterious disappearance
Coverage that includes simply losing a piece, which a homeowners policy typically does not.
Damage and theft
A cracked setting, a lost stone, or a stolen piece, usually with no deductible on a scheduled policy.
Worldwide protection
Coverage travels with you, at home or abroad, subject to the policy terms.
Hecho para piezas de valor
- Un anillo de compromiso o boda recién comprado
- Joyería heredada o de familia
- Relojes finos y piezas de diseñador
- Cualquiera cuyo anillo supera el sublímite de su póliza
Preguntas frecuentes
How do I insure an engagement ring?
The most reliable way is a scheduled personal property policy, sometimes called a jewelry floater, that lists the ring at an agreed or appraised value. You provide a recent appraisal or the receipt, and the piece is covered for loss, theft, and damage, usually with no deductible. We can set it up as a standalone policy or an endorsement.
Isn't my ring already covered by homeowners or renters insurance?
Partly, and usually not enough. Homeowners and renters policies cap jewelry theft at a low sublimit, often around 1,500 dollars, and they generally do not cover simply losing a ring. Scheduling the piece raises the limit to its full value and adds the perils the base policy leaves out.
Do I need an appraisal to insure jewelry?
For higher-value pieces, usually yes. Carriers want a recent appraisal or a detailed sales receipt to set the insured value. For newer purchases the store receipt is often enough. We tell you what a given carrier needs before you buy.
What is scheduled personal property?
It is coverage that lists a specific valuable item at an agreed amount, above the standard sublimits of a homeowners or renters policy. Jewelry, watches, art, and instruments are common examples. Scheduling adds broader perils, like mysterious disappearance, and typically removes the deductible for that item.
How much does jewelry insurance cost?
A common range is roughly 1 to 2 percent of the item's value per year, though it depends on the piece, where you live, and the carrier. A ring appraised at several thousand dollars often costs a modest amount annually. We quote it against the actual appraisal.
Does jewelry insurance cover a lost stone?
A scheduled jewelry policy usually covers a lost or damaged stone, including a diamond that falls out of its setting, which a homeowners policy typically will not. Gradual wear that loosened the setting over time can be a gray area, so the cause matters. We walk through the terms before you rely on them.
Does this policy cover gradual wear?
Everyday deterioration, loose prongs over time, and general aging are maintenance, not a covered loss.
Does this policy cover undisclosed or unappraised value?
A piece worth more than you scheduled is only covered up to the amount on the policy.
Does this policy cover intentional damage?
Damage you cause on purpose is never covered.
Does this policy cover pieces excluded at underwriting?
Items a carrier declines to schedule, or that fall outside the agreed inventory, are not covered.
Can you write this where I live?
Tenemos licencia en California, Texas, Pensilvania y Nueva York, y las solicitudes en Ohio, Carolina del Norte y Michigan están en trámite ante esos estados. No cotizamos en un estado antes de que su licencia sea emitida. Comience una cotización y le diremos en qué situación está antes de que invierta tiempo.
¿Qué pasa realmente después de comenzar una cotización?
Usted responde unas pocas preguntas y un corredor con licencia de Menlo las lee, clasifica su operación y la compara con las aseguradoras con las que tenemos nombramiento. No hay emisión instantánea ni caja negra. Habla con una persona antes de que se cotice nada.
Coberturas que se complementan con esta
Homeowners Insurance
The structure, everything inside it, and your liability as the owner of the place it happened.
Renters Insurance
Your belongings and your liability in a building whose policy covers the landlord rather than you.
Umbrella Insurance
Extra liability limit sitting above the home and auto policies you already carry, for a fraction of what raising each one costs.
Obtenga una cotización de seguro de joyería
Cuéntenos sobre la pieza y comparta un avalúo o recibo reciente. Comparamos aseguradoras y confirmamos que el valor acordado y los peligros se ajusten.