Homeowners policies lack adequate coverage.

A home insurance policy will include a limited amount of jewelry coverage, but it will lack the most important peril: Mysterious Disappearance.

If your stone falls out of its setting or your Rolex can’t be found, it may be difficult to prove that it was a theft. To the insurance industry, this is known as a Mysterious Disappearance. By individually scheduling each item, you will receive this important coverage with no deductible. Rates are typically around $10 per $1,000 of coverage. Coverage is available by endorsement to a Homeowners policy.

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