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Antique Jewelry Insurance

By Allen Jesson

Antique jewelry or old fashioned jewelry as it is often referred to is jewelry that is of a certain age usually over 70 years old. Antique jewelry is treasured as it has often been handed down through generations holding memories and meaning.

Many people buy antique jewelry as an investment, this is because like land its value will increase over time so the older the piece of jewelry is the more expensive it will be.

If you are lucky enough to have been handed down or have purchased a piece of antique jewelry whether it is a necklace, ring or broach it is strongly recommended that you insure your treasured piece.

You may assume that your antique jewelry is covered by your home insurance however this is not always the case, quite often your home insurance will cover you if your piece of antique jewelry is stolen but it may not cover you is the is lost or damaged.

Although you will never be able to replace the sentimental value of a piece of antique jewelry it may easy your mind if you can at least replace the item should it be lost.

It is wise to read you insurance policy very carefully or contact your insurance company to ask if you are covered for this type of event.

If you current insurance policy does not cover you fully for your antique jewelry then you may be able take out additional cover however it important to know and understand the cover you are going to be paying for.

Make sure your policy will cover you for loss and damage and also check if you will still be covered should the loss or damage happens when you are out of the country.

Check that you will be reimburse for the items full replacement cost and will you receive a replacement piece of jewelry or could you opt for a cash settlement.

Quite often your insurance company will ask for an appraisal before they allow you to take out the insurance to cover your antique jewelry. Check if this is something you can arrange yourself or if it is something your insurance company will need to arrange.

Will you have to pay an excess, if you lose or damage you antique jewelry and need to make a claim will you have to pay a sum of money before the claim can go through, how will this effect your existing policy and most important how much is the excess.

If your insurance company does need your antique jewelry appraised then it is advisable that you receive more than one appraisal so that you can compare the estimates and know that you are insuring your item for what it is actually worth, it is quite common to purchase a piece of jewelry one day and get an appraisal the next for a much higher amount. I would recommend that you have an appraisal done regularly and advise your insurance company of any increase / decrease in value.

About The Author

Allen Jesson writes for several sites that specialize in Antique Engagement Rings,
Vintage Engagement Rings and A Gift Of Poetry
Article Source: http://EzineArticles.com/?expert=Allen_Jesson

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A Few Simple Steps for Cleaning Antique Jewelry

By Ibda Nowin

If that piece of antique jewelry were just a little cleaner, wouldn't you wear it more often? But the idea of taking chemicals or some other cleaner to your grandmother's broche is just something you don't want to deal with. What sorts of materials are safe for cleaning and what should be avoided? Are there any special tips or procedures I should follow? These are the questions this article will answer, and when you've finished reading you'll be better equipped to take out that piece of antique jewelry and wear it with pride.

As you might guess, it is important to read the label of any cleaning solution you intend to use on your piece of antique jewelry. It is important to make sure the cleaning solution doesn't contain ammonia, vinegar, or any other acids or alcohols. These chemicals might harm the finish of your antique jewelry. They could also damage any stones or materials used to mount the stones. But it's not just chemicals you have to watch out for.

Although the old standby of good old soap and water might be good for some cleaning situations, it isn't the best choice for cleaning your piece of antique jewelry. Soaps can leave a residue on your jewelry, making the metal look flat and the stones look dull. Aside from that, the water might dissolve mounting materials such as glue and run the risk of losing the gems from your piece.

If the primary problem is dust, you can simply use a very soft toothbrush to clean your piece of antique jewelry. Use the softest toothbrush you can find, and of course make sure there is no toothpaste residue left on the bristles. A brand new toothbrush, set aside for cleaning your older pieces of jewelry, might be the safest bet.

A very important step in cleaning any piece of antique jewelry is ensuring it is thoroughly dried when you're finished with it. Keep moisture and dampness away from stored jewelry also, since dampness is a culprit who encourages verdigris, rust, pitting of plated metals, and other damaging conditions.

So there you have a quick rundown on the care and cleaning of your antique jewelry. Of course, if you're still a little gun shy about damaging a piece from cleaning, you could always take it to a professional jeweler to have it cleaned. Remember it is important that you don't do anything to modify a piece of antique jewelry, since doing so could drastically decrease its value as a collectible.

Wouldn't your grandmother be proud if she could see her antique broche all spruced up and ready for a night on the town?

About The Author

Ibda Nowin is an avid writer that loves to write to increase public awareness on topics of interested. If you enjoyed this article, be sure to check out more of his work, available at many of the popular article directories.
Article Source: http://EzineArticles.com/?expert=Ibda_Nowin

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