Shopping for Jewelry? Protect your investment.

Posted on by Tyler Wright

You just absolutely love the ring!

This necklace has so much meaning and sentimental value to you and your family, as it was passed down from your great grandmother. These are feelings we understand.

Clockwork Insurance can cover that jewelry and ensure your concerns about loss or theft are calmed. To get a quote on what your jewelry insurance will cost, go to our home page at: https://www.clockworkinsurance.com and simply choose Personal Jewelry Insurance in the “Request a Quote” drop down menu then hit QUOTE IT. It really is that simple. You will fill in a form with basic information and we at Clockwork Insurance will take it from there.

Did you know that most homeowner policies have a cap on jewelry coverage? Purchasing insurance for your precious pieces is a way to ensure you can enjoy wearing them with the confidence of protection, should something happen. Whether lost, stolen, damaged or just mysteriously disappeared, you can be covered.

There are two basic types of coverage to consider. You can cover your jewelry with reimbursement coverage or with replacement cost coverage. If you are interested in reading about the types of coverage available you can check out this article on the Jewelers Mutual site: https://www.jewelersmutual.com/the-jewelry-box/how-does-jewelry-insurance-work-replacement-vs-reimbursement .

Feel good about buying that perfect piece of jewelry to show your loved one how you feel. Jewelry Insurance coverage is more affordable than you think and helps with your peace of mind.

Do I Need Home Insurance?

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Home Insurance: While it’s not a legal requirement, your mortgage lender may make it a requirement. What’s more, it’s just a good idea overall. A home is a big investment after all, and you want your investment protected should disaster fall. Disasters can happen at any time, so it is highly recommended that you get home insurance to save yourself from financial loss when such things happen. Otherwise, you’d have to pay for repairs out of pocket.

Why Does a Mortgage Lender Require Home Insurance?

If you take out a mortgage, your house is used as the collateral for the loan. In this case, the lender will also be invested in your house as they can claim it if the loan is not paid back. If a disaster damages your house before the loan is paid off, insurance will pay to fix the damages. If you live in an area that makes your house more liable to damage (say, an area that is frequently flooded), you may have to purchase beyond the standard home insurance policy. 

What Does Home Insurance Cover?

Home insurance covers the cost of repairs should your home be damaged or the victim of theft or vandalism. Home insurance can also cover the repair or replacement of personal items such as furniture, clothes, electronics, appliances, and more. If someone is injured on your property, home insurance will take care of their medical costs. If the place you live in becomes too hazardous for life, you can even be decompensated for living expenses. 

Clockwork Insurance Services Is Here To Serve The Greater Metairie, LA Region

If you are in the Metairie, LA area, and you need home insurance, please contact Clockwork Insurance Services. Our knowledgeable and courteous agents will work tirelessly to provide you with the correct insurance policy to suit your needs and guarantee your satisfaction. 

Why do I Need Commercial Insurance?

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If you have a business, you need commercial insurance because, frankly, stuff happens. Even if you’re very careful, natural disasters will happen. The thieves are not all in jail yet. People get injured and want to sue. People get angry in general and want to sue. Employees are only human and might not be able to work if ill or injured. These things can lead to a substantial financial loss. Commercial insurance will make sure that your business doesn’t go under due to unforeseen circumstances.

Types of Business Insurance

There are three types of business insurance with their own subtypes. There is limited liability insurance that covers legal or medical fees that you’ve been held responsible for. Commercial property insurance covers the cost of repairing or replacing any company property that gets damaged. Business income insurance compensates for lost income due to interruption of business or other extra expenses.

What Kind of Business Insurance Do I Need?

To start with, you need liability insurance, both general and professional. Liability policies cover legal fees and settlements if you are found liable for any damage or injury to others.  If you have employees, you’ll need workers’ compensation insurance. Even if your business is an LLC, you will still need insurance to take care of workers’ compensation, damages, and liabilities. If you are the sole proprietor, you will need liability insurance in order to protect your personal assets. WE can discuss what limits make sense for you and other aspects of coverage to be sure you are comfortable with your choices.

Clockwork Insurance Services Serving Metairie, LA

If you are in need of commercial insurance and are in the Metairie, LA area, please contact Clockwork Insurance Services. Our professional and courteous agents are dedicated to helping you get what you need to keep your business going.

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