There are those of us who love this time of year for all its joy, togetherness and sentiment. Then there are the criminals who treat the holiday season like open season with us — and our arms loaded with shopping bags — being the prime targets.

A lot of people have a drawer in their house that has a collection of items that may include lesser-valued jewelry that they feel is not worth insuring on their policy. However, they would certainly be upset if they ever lost one of those items.

Picture these scenarios: You purchase a new home. What is one of the first things your realtor recommends? Homeowners insurance. How about a new car? Car insurance.

Other than these two major purchases, what is quite possibly your next most valuable possession? Look no further than your ring finger. Bingo.

Life happens. No matter how hard we try, we cannot plan for the unexpected.

That’s why you get home, auto, life, and, of course, jewelry insurance. It’s your safety net so that if something happens, you can fix it and forget it. But how exactly do you file a jewelry insurance claim? What do you need to do?

Insurance can be confusing. The insurance industry uses a lot of specific jargon that you likely do not use on a regular basis. (Deductibles, and premiums, and claims! Oh, my!)

Don't let these unknowns steer you in the wrong direction. Let's clear up some of these gray areas - right here, right now. We want you to feel as confident as possible that you're choosing the best insurance plan for you.