Keep Jewelry OFF Homeowners Policy

• The impact of a jewelry claim is serious!
• Jewelry loss counts as HO loss.
• Jewelry losses hit CLUE and PILR reports.
• Client loses homeowners' "claim free" rating.
• HO policy is difficult to re-market after a loss.
• "Mysterious disappearance" claims, in particular, are red flags.

Other disadvantages

• HO policies have capacity limitations.
• Many HO carriers will not cover higher-value jewelry.
• HO policies will not list non-family members with "insurable interest."