settlement based on the insurance companyÆs cost to replace your item. The insurance companyÆs liability ceiling is set at the ôinsured valueö on the appraisal. Do you have enough jewelry insurance? The answer depends on what kind of policy you have, the ôinsured valueö is on the appraisal, the settlement procedure is for your particular policy, and the accuracy of the information on your appraisal. If you have a jewelry item valued at more than the $1500, you should definitely consider scheduled as opposed to unscheduled coverage. The critical issue for scheduled property coverage is the how accurate is the information on the appraisal. 1) If the information on the appraisal is vague and general, the insurance company can replace the item with an item that satisfies the description but perhaps is not the quality and true value of the lost item. Be sure your jewelry appraisal has a detailed and accurate description of the jewelry item. 2) If the appraisal value is artificially high, the insurance company can replace the item at their cost even though the client paid premiums for years on a value twice as much. This is often the case for purchases from a jewelry store with prices double other retailers and the store provides an insurance appraisal even higher than the purchase price. You do not need an appraised value more than 150% of the price you would pay at low priced online retailer. 3) If the appraisal value is too low, the insurance company can make cash settlement that might not cover the current replacement cost of the item. This could be the case for items purchased three or four years ago from a low price online retailer and the appraised value was at or below the purchase price. With diamond prices increasing about 10% a year recently, it does not take long for appraisal values to be out of date if too close to online retail purchase prices. Be sure to have your jewelry insurance appraisal updated every four or five years so you do not end up underinsured. Title: Dog Jewelry: A Celebration of Man's Best Friend Word Count: 400 Summary: "Dogs are our link to paradise. They don't know evil or jealousy or discontent. To sit with a dog on a hillside on a glorious afternoon is to be back in Eden, where doing nothing was not boring--it was peace." - Milan Kundera Keywords: dog jewelry Article Body: "Dogs are our link to paradise. They don't know evil or jealousy or discontent. To sit with a dog on a hillside on a glorious afternoon is to be back
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Amber Rain Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Amber Rain Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Amber Rain Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Amber Rain Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Amber Rain Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Amber Rain Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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