Jewelers Mutual, are they always like this?

[Sparkleho]

Let's say your occupation was a book editor and you work from home. If you lose your ring, it is probably at home and you'll find it again. If instead you were a travel nurse, you'd be traveling to different cities, and if you lost your ring, the finder isn't going to turn it in, and if they did, no one would know it is yours.

Occupation isn't a protected class in the US. Using occupation for rates or underwriting is generally fine... It is increasingly a gray area for personal auto, where we are legally required to buy insurance; affordability and availability are important social concerns. No one is concerned with consumer affordability and availability for jewelry insurance.

I'm guessing that there's a lot of uncertainty in the future replacement value due to the high value unique item, COVID-19 supply chain issues, and general inflationary environment we are in.

I absolutely understand that, I thought it was strange that after I explained I worked solely from home, never out of my house they asked for proof in the form of a link or business page.

 

[gablovesahinies]

I think it sounds Invasive but I’m happy you were finally approved. I have several items insured with them and didn’t have an issue. The last item was an issue and even though the report was detailed and had images I still had to download an app for images and they required me to have a deductible even though I wanted a policy without one.