Grand Junction, Fruita, Delta, Colorado Jewelry Floaters
Your jewelry is more than just a financial investment; it often carries deep sentimental value, from engagement rings and wedding bands to family heirlooms passed down through generations.
While a standard homeowners or renters policy provides some protection, it often has low limits for high-value items. At Bird Family Insurance Agency, Inc, we help you bridge that gap with a jewelry floater to ensure your most precious pieces are fully protected.
Jewelry Floaters in Grand Junction, Colorado
A jewelry floater (also known as “scheduled personal property”) provides broader coverage than a typical home policy. It can protect you against “mysterious disappearance”—such as a diamond falling out of a setting or a watch being lost while traveling—which many standard policies do not cover.
At Bird Family Insurance Agency, Inc, our local agents understand the importance of protecting your investments. We have access to top-rated insurance companies to find the right coverage at a competitive price, ensuring your jewelry is insured for its true appraised value.
Why Consider a Jewelry Floater in Grand Junction, Fruita, and Delta?
Standard policies often cap jewelry theft coverage at a specific limit (often $1,500). If your engagement ring or watch exceeds that amount, you may be underinsured. By “scheduling” these items, you get:
- Full Value Coverage – Protection based on the professional appraisal of the item.
- No Deductible – In many cases, scheduled items can be covered with a $0 deductible.
- Accidental Loss – Coverage for when an item is lost or misplaced, not just stolen or damaged by fire.
- Worldwide Protection – Whether you are at home in Colorado or traveling abroad, your valuables are covered.
Selecting the Right Coverage for Your Valuables
At Bird Family Insurance Agency, Inc, we recommend keeping updated appraisals and photographs of your pieces. This helps ensure that in the event of a loss, the replacement process is seamless and reflects current market values.
Here are some additional items we can help you schedule:
- Engagement & Wedding Rings
- High-Value Watches
- Antique Jewelry
- Loose Gemstones
- Luxury Earrings & Necklaces
Whether you are looking to add a floater to an existing policy or need a standalone plan, let us provide the peace of mind that comes with knowing your treasures are secure.
Contact us today at 970-549-2500 to find out more about jewelry insurance and floaters in Grand Junction, Colorado, including the Delta, Fruita, Montrose, Palisade, and Rifle areas.
Bird Family Insurance Agency , Inc.
125 Grand Avenue #B
Grand Junction, CO 81501
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Phone: 970-549-2500
Text: 970-822-0022
Fax: 970-549-2700
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