Jewellery on home insurance

2 of our most important tips -

1) Home insurance policies have a limit on the amount of high risk items like jewellery that they can cover. It’s a percentage of the total contents sum insured. If you have specified an item of jewellery on your policy it’s like taking out its own little additional policy so it won’t be part of the high risk items.
2) Check that the amount you are insured for is sufficient as some insurers apply under insurance. Example; If a claim is made & you have undervalued your contents by 20% they will pay out for the loss less 20%.

Summary - check that the sum insured for your high risk items (less any specified items) is sufficient.