4CHURCHILL. Pay attention please. Don't contrive a BS story. If you have a homeowners policy you have personal property away from the premises coverage. Usually 10% of the contents coverage so you should have plenty of coverage. Risks include buglary, theft, robbery, etc. etc. For jewelry, if it doesn't fall in those categories it's considered mysterious disappearance. That includes if you were to look down and find the diamond missing from your ring. Just report the loss and tell the truth. It is subject to your deductible of course. Policies are pretty standard but can vary slightly. Read your policy ...personal property/away from premises/jewelry. If the locker was broken into it's theft/robbery/burglary & you need to file a police report.
__________________
Jonahs
|