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Antique Jewelry Insurance

By Allen Jesson

Antique jewelry or old fashioned jewelry as it is often referred to is jewelry that is of a certain age usually over 70 years old. Antique jewelry is treasured as it has often been handed down through generations holding memories and meaning.

Many people buy antique jewelry as an investment, this is because like land its value will increase over time so the older the piece of jewelry is the more expensive it will be.

If you are lucky enough to have been handed down or have purchased a piece of antique jewelry whether it is a necklace, ring or broach it is strongly recommended that you insure your treasured piece.

You may assume that your antique jewelry is covered by your home insurance however this is not always the case, quite often your home insurance will cover you if your piece of antique jewelry is stolen but it may not cover you is the is lost or damaged.

Although you will never be able to replace the sentimental value of a piece of antique jewelry it may easy your mind if you can at least replace the item should it be lost.

It is wise to read you insurance policy very carefully or contact your insurance company to ask if you are covered for this type of event.

If you current insurance policy does not cover you fully for your antique jewelry then you may be able take out additional cover however it important to know and understand the cover you are going to be paying for.

Make sure your policy will cover you for loss and damage and also check if you will still be covered should the loss or damage happens when you are out of the country.

Check that you will be reimburse for the items full replacement cost and will you receive a replacement piece of jewelry or could you opt for a cash settlement.

Quite often your insurance company will ask for an appraisal before they allow you to take out the insurance to cover your antique jewelry. Check if this is something you can arrange yourself or if it is something your insurance company will need to arrange.

Will you have to pay an excess, if you lose or damage you antique jewelry and need to make a claim will you have to pay a sum of money before the claim can go through, how will this effect your existing policy and most important how much is the excess.

If your insurance company does need your antique jewelry appraised then it is advisable that you receive more than one appraisal so that you can compare the estimates and know that you are insuring your item for what it is actually worth, it is quite common to purchase a piece of jewelry one day and get an appraisal the next for a much higher amount. I would recommend that you have an appraisal done regularly and advise your insurance company of any increase / decrease in value.

About The Author

Allen Jesson writes for several sites that specialize in Antique Engagement Rings,
Vintage Engagement Rings and A Gift Of Poetry
Article Source: http://EzineArticles.com/?expert=Allen_Jesson

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Appraisal, Valuation and Inspired Guesswork or the Rise of TV Antique Shows and the Collecting Bug

By Howard Lewis

The Price is Right.

Once upon a time you knew precisely where you stood. You were, metaphorically speaking, peering over the shoulder of the venerable Arthur Negus, denizen of that epitome of middle class culture, The Antiques Roadshow. Now, however, you�re turning this way and that, amidst a plethora of antiques discovery programmes, as you seek to satisfy your voyeuristic craving and perhaps learn a little something as you go.

Life used to be very simple in the antique firmament on TV. Its first airing was Going for a Song in 1965, so ancient a time that England had yet to win the World Cup and I was still in short trousers, in a programme memorably described as a

�Pooterish pottery riddleathon, chaired in its glory days by Max Robertson with Arthur Negus stapled to one side for a bit of gossip. Max would then proffer a vaguely familiar looking antique loom at teams of experts and a clueless public, demanding both date and asking price. Points were awarded for the closest bid.�

That won�t ring too many bells with today�s protagonists, by all accounts. This was an age in which most educated people were expected to have a routine general knowledge of art, antiques and collecting because it suggested some hint of engagement and appreciation of the world around them. Of course, the clueless public were a convenient prop to the cardsharps around them but the scenario hasn�t deviated too far over the last forty years. Having said that, presenters could always be relied upon in yesteryear to wear a jacket and tie and a sensible haircut � this was the BBC after all � so one wasn�t confronted, as is our current misfortune, by a bunch of D listers swathed in Hawaiian tee shirts and an all over tan.

Yet the extraordinary thing is that these programmes � and, believe me, there are plenty of them � have such enduring appeal. The antiques themselves obviously play their part but the real key is the human dimension and, without exception, it is a feature of all the latter day productions that the viewing public are encouraged to make contact and tell their stories. However, whereas The Antiques Roadshow was deliberately more formal in its approach, more recent entrants are positively gushing. The three best examples of this new genre are Flog It, Bargain Hunt and Cash in the Attic, each of which, like The Antiques Roadshow, have spawned some very ugly American hatchlings. More of that anon.

Back here, we have David Dickinson, full of grandiloquent gestures and gravelly tones, hosting Bargain Hunt. Dickinson, notwithstanding that he loves the sound of his own voice, has certainly done the rounds and knows his stuff unlike the motley crew from Cash in the Attic who look like cast offs from a lifestyle channel. Bargain Hunt is not designed to be too successful but just give a taste of what could be achieved with a good eye and a judicious approach though, as ever, it is most watchable when confronted by the unexpected. One contestant so successfully bought and sold a copper log box that Dickinson, momentarily speechless, had to dispatch a crew member to an ATM to cough up enough cash when he ran short. Priceless!

Howard Lewis, Chairman http://www.invaluable.com Only Invaluable gives you unrivalled access to pre-sale and post-sale information for auction houses and salerooms across the globe. Find art, antiques and collectables. Try our Keyword search, register at http://www.invaluable.com for a free 14 day trial.

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