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Many of us own items of jewellery that hold deep personal meaning. An engagement ring, a watch passed down through generations, or a necklace from a special occasion all carry sentimental value that is impossible to replace. Beyond the memories they represent, these items often have a significant financial worth. The thought of losing such a piece to theft, damage, or simple accident can be distressing. While the emotional loss is one thing, the financial impact is another. Many people assume their standard home insurance policy provides enough cover for their valuables. In reality, this is often not the case, leaving a surprising gap in financial protection. Understanding how insurance treats jewellery is the first step towards making sure your treasured items are properly covered. Why your home policy might not be enough Most standard home contents insurance policies do provide some cover for personal belongings, including jewellery. However, these policies almost always include a ‘single item limit’. This is the maximum amount the insurer will pay out for any one item that is lost, stolen, or damaged. This limit can be as low as €1,500, depending on the policy. Citizens Information guidance explains how single item limits work. This creates an obvious problem if you own anything more valuable. Imagine an engagement ring worth €6,000 is stolen during a burglary. If the single item limit on your home insurance is €1,500, that is the most you would receive from a claim. You would be left to find the remaining €4,500 yourself to replace a ring of similar value. This is a substantial and often unexpected expense that many households are not prepared for. How to secure proper cover for valuables... Read more
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