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VooDooDoll | Home insurance claim??? |
Does anyone know if you can claim on your house insurance for lost jewellery? My boyfriend has lost my engagement ring!!!! Just wondering if the home insurance covers it?
Many thanks!!xx |
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aerowrite
 |
Possibly, without knowing more about the loss or the policy that you have. There are two types of policies (named peril or open peril, also known as all risk) which change coverage dramatically. Thefts and attempted thefts are covered perils under both policies and jewelry is covered property. However, there are special limits that apply. Depending on your policy, it ranges from about $2,500 to $5,000. You will need to supply the insurance company with a receipt, credit card statement or some other documentation that proves that you owned it. Even a picture of you wearing it can help. If the ring was lost, this is called "mysterious disappearance" and is generally not covered, though it may be covered if you were wise enough to have it listed on a scheduled property endorsement. Under your "Duties After Loss" as described in your policy, you are also required to file a police report with authorities so that the insurance company can get restitution if it is ever recovered.
My advice, file your claim and let a claim adjuster determine the facts and interpret coverage on your policy. |
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Queen B
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that depends. does he live in your home? did you have the jewelry scheduled onto your policy? if so then yes. if not then no. home policies cover jewelry only up to a certain limit (usually $1000-1500) for THEFT. when you just lose it then its called mysterious disappearance and the items must be scheduled to be covered. |
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dunrobin46
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Yes, some policies allow this. However some don't!
It all depends on your policy.
If it has been lost outside the home you would need to have all risks cover.
Why not phone the company. |
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Steve S
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the only way jewelry is covered if lost is if there is a jewelry rider on it. If you don't have the rider it will not be covered under the normal perils of your policy. Good Luck. |
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italian-tony
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You need to look at your policy documents to see what it covers. If you have an 'All Risks' cover then you most likely can claim. |
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Gillyahoo
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Can do but you need to check your policy. |
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MICHAEL D
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Some do some don't and on some you have to specify what jewellery and most have a £100 excess. Read your insurance policy documents. |
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