╨╧рб▒с>■  (*■   '                                                                                                                                                                                                                                                                                                                                                                                                                                                ье┴q` Ё┐╜bjbjqPqP 4::╜       д2····  2ф ╢4444   c e e e e e e $Ъ hВЙ      Й 44█Ю     44c   c    4 Руг{L╞·% . c ┤ 0ф  ДS ▓Д  Д/ 4        Й Й     ф     2226─2226222     How to Properly Insure Your Jewelry Many people overlook the need to properly insure their expensive jewelry believing that it is automatically covered by their homeownerТs policy.а Let's review this important item, as this is theаseason when Jewelry is starting to be worn more often while at parties or just generally out on the town. While homeownerТs policies do cover jewelry, this insurance usually is subject to much lower limit than the overall contents coverage. This is called a "sub-limit," and a typical sub-limit is $1,500 for loss by theft of jewelry, watches, and precious and semiprecious stones. If your jewelry is worth more than the sub-limit in your homeownerТs policy, you should consider purchasing specific insurance to cover it. The following is a good process to follow. 1. Obtain asаmuch information about your jewelry portfolio as possible, including any appraisals. * If you have not had your high-valued jewelry appraised within the last 3 years, consider obtaining one from a reputable jeweler. Insurance companies often require an appraisal on more expensive jewelry from a graduate of the Gemological Institute of America (GIA). The Institute's G.G., G.J., or A.J.P. designations at the end of an individual's name indicate that the jeweler has achieved a high level of professionalism with an education backed by a respected nonprofit organization. * Make sure the appraisal has a description of the diamond's four C's -- (a) carat, (b) cut, (c) clarity, and (d) color. The "carat" refers to the weight of the diamond. The quality of the "cut" of the diamond results from the way light enters the stone and is reflected back. "Cut" is also used to refer to the diamond's shape, such as round or pear-shaped. The "clarity" refers to the prevalence of minor spots, lines, bubbles, or other natural imperfections within the diamond. The "color" denotes the tint a diamond may possess. Remember that the better the appraisal, the fewer problems you will encounter with the insurer if you ever have to make a claim. 2. To properly cover your jewelry, purchase inland marine coverage that can be added via an endorsement onto your homeownerТs policy. This endorsement (also available as a separate policy) provides much broader coverage than the limited protection found on the unendorsed homeowners policy.а The cost varies between $17 and $24 perа$1,000 in value, depending upon where you live.а So,аif you have a piece of Jewelry worthа$10,000 and you would like your insurance to replace it, should it be stolen or damaged, the cost will be approximately $170-$240 annually for this protection - not much for a valuable piece of jewelry.а 3.а If the piece is not something you wear but is a family heirloom or keepsake, consider keeping it or any valuable jewelry you rarely wear in a safety deposit box at your bank. 4. Review your jewelry protection at least every 2 years or whenever you sell or purchase high-value jewelry. If you haveаjewelry andаyou would like to properly protect it, pleaseаcontact us to get the process moving once you have obtainedаcurrentа(maximum 2 years old) appraisals. Call us atа562-594-6541 orа 800-400-3224.а Thanks! Stan Dreckman  HYPERLINK "mailto:stan@hdinsure.com" stan@hdinsure.com %лмa b Д ╫ ю я  Р С и й Є є ! ~ j н yzВv#(С=AEGБВий║╗╝╜щ▄╥▄╥▄─▄╥▄╥▄╥▄╥▄╥▄▒▄а▄▒Р▒▄▒▄▒▄╥▄╥▄▄p▄lh╚63hx+,hx+,0JOJQJ^J!jhx+,hx+,OJQJU^Jhx+,5БB* OJQJ^JphА!hx+,hx+,B* OJQJ^JphА$hx+,hx+,5БB* OJQJ^JphАhx+,hx+,>*OJQJ^Jhx+,OJQJ^Jhx+,hx+,OJQJ^J,hx+,hx+,5БB* CJ0OJQJ^JaJ0phА)%R є  А h ▒ ■#r%УsБ╝╜···············°gdx+,╜¤21Рh:px+,░╨/ ░р=!░"░#Р╨$Ра%░░╨░╨ Р╨ЖЬ@@ё @ NormalCJ_HaJmH sH tH DA@Є бD Default Paragraph FontRi@є │R  Table NormalЎ4╓ l4╓aЎ (k@Ї ┴(No ListB^`ЄB x+, Normal (Web)дdдd[$\$4U`в4 x+, Hyperlink >*ph ╜     %RєАh▒■# r % У s Б ╝ ┐ Ш0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААШ0ААRАh▒■# r % У s Б ╝ ┐ K╚0ЫK╚0ЫK╚0ЫK╚0ЫK╚0ЫK╚0ЫK╚0ЫK╚0ЫK╚0ЫK╚0ЫK╚0АI╚0АI╚0А 0 ╜ ╜ ╜ Б и ║ ╜ X МЁ8Ё@ё   АААўЁТЁЁ0Ё( Ё ЁЁB ЁS Ё┐╦  ?Ё\ h ┐ ╡║  @ k ┐ 33%лмabюя РСийЄєyzK K Ц Ч = A E G h h ╝ ┐ \ h ┐ >4бхF+x+,╚63В;iDcЖ)ЩЧ╩ @Аh h А¤Кh h ╜ P@  Unknown            GРЗ:  Times New Roman5РАSymbol3&Р З:  Arial"ёИЁ╨hдг&дг&ц╫ ц╫ !Ё╨┤┤ББ24d╖ ╖ 2ГЁHX)Ё ?ф                     x+,2  $How to Properly Insure Your Jewelry StanStan■ рЕЯЄ∙OhлС+'│┘0МРШ╚╘фЁ№  ( H T `lt|Дф(How to Properly Insure Your Jewelry StanNormalStan1Microsoft Office Word@ П@ШШЇzL╞@░еГ{L╞ц╫ ■ ╒═╒Ь.УЧ+,∙оD╒═╒Ь.УЧ+,∙оP  hp|ДМФ Ьдм┤ ╝ эф╖ ц %How to Properly Insure Your Jewelry Title┤ 8@ _PID_HLINKSфAl$mailto:stan@hdinsure.comг  ■   ■   ■    !"#$%&■   ¤   )■   ■   ■                                                                                                                                                                                                                                                                                                                                                   Root Entry         └F`Ўг{L╞+А1Table        WordDocument        4SummaryInformation(    DocumentSummaryInformation8            CompObj            q                        ■                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           ■       └FMicrosoft Office Word Document MSWordDocWord.Document.8Ї9▓q