If you choose to travel with jewelry, you should be aware that there is a risk. While traveling, jewelry can be damaged, lost, or, worst of all, stolen.
According to a recent Jewelers Mutual survey, returning home from a trip and discovering a piece of jewelry is missing is becoming more common. It was discovered that 20% of people have lost or had stolen fine jewelry while on vacation. It is best not to travel with expensive or irreplaceable jewelry. If you must travel with your jewelry, travel industry experts advise keeping it in your in-room safe at all times. Don't tell anyone the passcode, and double-check that the safe is securely locked.
The Most Difficult Situations
According to Jewelers Mutual, the following are the most common reasons for travel-related jewelry claims:
- The item was misplaced on the beach.
- The item was misplaced while swimming or engaging in a water-related activity (water will shrink your finger and a ring will fall off, for example)
- The item was stolen after being left unattended and unsecured in a hotel room.
- The item was packed in a checked bag, out of the owner's possession/custody, and stolen.
- The item was taken while the owner washed his hands in a public restroom and then forgotten about.
- The item was discovered in an unattended vehicle that had been burglarized
How to Avoid Becoming a Statistic
Jewelers Mutual recommends the following tips for traveling with jewelry:
- Take clear photos of any jewelry you bring before you leave so you have a record of what you're bringing. If the jewelry is stolen, you'll also need a photo of it for a police report.
- Bring no expensive jewelry that you will most likely not wear.
- Jewelry should not be packed in checked luggage.
- Wear as much jewelry as possible discreetly while traveling (versus putting it in luggage)
- Make certain that your jewelry is fully insured.
- Consider buying cheap travel jewelry and leaving your valuables at home.
Traveling Jewelry Insurance
There are a few options for traveling with jewelry, some better than others.
- In most cases, your homeowners insurance policy will cover jewelry just as it would if you were at home. Be aware that most standard home insurance policies have a $1,500 limit for jewelry theft.
- You can boost your coverage by scheduling personal property, such as jewelry, and insuring it for its full value.
- If you have travel insurance, it may provide some, but very limited, coverage for jewelry as part of the baggage and personal effects coverage.
- Damage and theft are covered by specialized jewelry insurance, as are accidental loss and "mysterious disappearance." For example, a Jewelers Mutual policy is based on the specific items being insured, so you can get coverage for the full replacement value. You can also collaborate with the jeweler.
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