Engagement rings, heirloom jewelry, and wedding rings are all items that we hold incredibly dear. While we often store these in a safe in our house, we might lose them in the event of a theft or house fire. Hence, taking the right precautions to protect them from harm is essential. This can include taking out jewelry insurance that ensures all-around protection of these valuable items. How jewelry insurance works Most homeowners in the country opt for a home insurance policy. While this policy can be used to pay for jewelry repair or replacement after a house fire, it provides limited coverage of up to $1500. In addition to jewelry, this amount can be used for watches, furs, and semiprecious stones.
On the other hand, jewelry insurance provided by specialized companies can provide more comprehensive coverage compared to a home insurance policy. For instance, they can help cover preventive maintenance measures such as clasp replacement or stone tightening. Further, they also pay for any jewelry pieces lost in floods, earthquakes, and other scenarios listed in the policy. What it covers In most cases, separate jewelry insurance can cover loss, theft, and damage. So, for better clarity, here is a list of kinds of jewelry that are covered by separate jewelry insurance:

• Earrings
• Brooches
• Bracelets
• Necklaces
• Tiaras
• Antique or heirloom jewelry
• Watches
• Wedding bands and engagement rings

While specialized companies cover the items mentioned above on an "all-risk" basis, they may not pay for the damage caused by scenarios not mentioned in the policy. This comprises wear and tear, intentional loss or damage, manufacturer defects, and damage caused by rodents and vermin. Need for jewelry insurance There can be various reasons why one may need jewelry insurance. A few reasons are listed below:

• Protection against theft If one keeps jewelry pieces in their house, they must keep in mind that these pieces can be easily lost or stolen. According to statistics, in 2021, the nationwide rate of property crime in the country was 1,993.4 per 100,000 of the population. In such cases, predictably, the most heavily stolen commodities are diamonds and other pieces of jewelry. Hence, one can opt for jewelry insurance to offset any heavy losses. This can also help one feel at ease during such difficult times.
• Increased protection compared to warranties Typically, warranties cover the cost of repairing manufacturing defects in jewelry up to a certain limit. This means that they can only cover repair costs related to workmanship. So, if damage has been caused to the piece of jewelry due to the owner’s negligence, it will not be covered under the warranty. In such cases, one can easily cover the cost of damage using jewelry insurance and even protect it from further harm or loss.
• Cataloging the jewelry and its value Knowing their worth can be handy in cases where one has received specific jewelry pieces as a gift or as an heirloom. When one opts for jewelry insurance, they are persuaded to uncover previously unknown information about the property. This can include its composition, age, appearance, photographic records, purchase price, and current value. The information mentioned above is helpful during legal proceedings and audits.
• Provides more protection As mentioned previously, standard homeowners' policies have a cap on the coverage amount. So, if one owns jewelry worth more than $1500, the coverage provided may fall short. Moreover, the insurer will subtract the deductible from the claim payout. If one has $1,500 worth of jewelry stolen and has a $1000 deductible, they may get only $500 in coverage from the insurance company. On the other hand, when an individual purchases separate jewelry insurance, they can safeguard their property even if the amount exceeds the home insurance limit.

Jewelry insurance companies to check out Here are a few top jewelry insurances companies that one can check out:

• BriteCo Jewelry Insurance This company offers cover for loss, theft, damage, and even the mysterious disappearance of insured jewelry. Furthermore, BriteCo even helps pay for maintenance services like stone resetting and prong re-tipping. Another feature that sets this jewelry insurance company apart is its policies' lack of deductibles. That said, they cover up to $350,000 per customer and $150,000 per piece. In addition to the above, if an individual finds the item's replacement costs more than expected, BriteCo will pay up to 125% of the item's appraised value.
• Jewelers Mutual Jewelers Mutual, founded in 1913, has more than a century of experience in the industry. Typically, its policies cover theft, loss, mysterious disappearances, damage, earthquakes, and floods. On top of this, the company may pay for preventive maintenance or repairs, such as restringing broken strands of pearls or fixing bent prongs. In most cases, Jewelers Mutual does not provide cash payouts. Instead, the payment is made to the jeweler of the insurer’s choice. Additionally, they provide discounts to customers so that they can avail themselves of home security systems, inscribe identification numbers on jewelry pieces, or invest in a safe deposit box.

Generally, stand-alone jewelry insurance costs 1% to 2% of the value of each item. But the policy's price can differ depending on factors such as location, number of pieces, and the deductible amount.

One of the most common sexually transmitted infections, the human papillomavirus (HPV) holds the probability of affecting every individual that is sexually active. One of the most common sexually transmitted infection (STI), there are more than 100 different types of HPV and another 40 subtypes. An HPV can affect one's genital area or throat. It usually spreads through skin-to-skin contact. Engaging in oral sex is one of the most common ways of contracting HPV of the mouth and throat. HPV can be cured; however, certain types of HPV, commonly known as high-risk HPV, can lead to certain types of cancer. One such type is oral HPV cancer. The oral HPV cancer symptoms are limited or even absent in a few cases. This usually leads to patients ignoring the condition as there are no bodily changes that hint toward the development of cancer. Negligence and delay in the treatment process are, therefore, strongly associated with this condition. Warts in the mouth or throat are the only direct HPV cancer symptoms that can encourage the patient to get the necessary treatment. A mouth and throat HPV can often lead to oropharyngeal cancer. Strong symptoms start showing when the infection transforms into cancer. The cells are usually formed in the middle of the throat, tonsils, tongue, or pharynx walls. Timely treatment is crucial in the treatment of any type of cancer. Below are a few early signs and symptoms that should encourage patients to consult a doctor and get tested for a throat and mouth HPV cancer:

• Development of an ulcer or a sore in the mouth that does not heal for 2-3 weeks, sometimes even longer. It is one of the most common symptoms for HPV mouth and throat cancer.
• A significant change in the color of the patient's tongue due to an imparity in the soft tissues of the mouth. These tissues can adopt a red, black, or white discoloration.
• The tonsils could swell leading to a difficulty in swallowing. The patient can feel a large amount of pain and a stinging sensation of something being stuck while trying to swallow.
• Asymmetrical swelling in both the tonsils is a symptom of mouth and throat HPV cancer.
• Along with pain while swallowing, the patient can also feel intense pain while chewing in further stages of this condition.
• Some of the persistent and common HPV cancer symptoms are a sore throat, swelling or lump in the mouth, numbness in the lips or mouth, and coughing.

You don't have to be a world-class ski racer to appreciate the importance of keeping your skis well-maintained and waxed. Skiing over adequately waxed skis would assist you to ski faster and tread better. Waxing your skis is the basic maintenance which you can easily carry out on your own before giving your equipment for annual tunes. While waxing may look like a daunting task which can only be done by professionals, it's really a short and simple job that can save you time as well as money. Since most professionally maintained waxing and ski wax prices are ever-increasing, it is prudent to wax ski poles at home. What's best, you can learn how to wax your skis with ease right in the comfort of your home. Additionally, you save on ski wax prices by buying these on discounts. This step would assist you to maintain your costly investment. You can simply go through the ski wax reviews and avail all the benefits of using the ski wax. Waxing your skis on a daily basis would give you excellent performance over the slopes.Waxing your skis frequently can give you the fastest and most agile performance. Though ski waxing is super easy when done at home, it is important you buy the right ski wax to accomplish the task. Some of the best ski wax reviews recommend Toko All-in-One Hot Wax, Swix HF10BW, Swix HF4, Dakine Indy Hot Wax, and the like as the best ski wax sale brands. Most of these brands, when bought on sale, help reduce ski wax prices significantly. Whether you enjoy skiing in alpines or any other cross-country skiing, you can find your skis to be running much better and smoother when you maintain them properly. The main thing you must remember about your skis is to keep them tuned with sharp edges as well as bases which are waxed properly. You can always learn how to wax and sharp the edges of your skis which has now become super easy with ski wax sale that makes ski wax prices hit a new low. When you delve deeper into the skiing equipment, you may find that skis are quite peculiar as they are manufactured with various cores and materials like flex, camber, and the like. Knowing the qualities and features of skis and the type of materials used in its manufacturing can help you be more cautious about maintaining them.

Furniture plays a major role in a home. All of us wish to have good quality furniture. Apart from that, it must match up with our home decor. RV Furniture offers great quality furnishings which provides customized special items like tables, chairs, and other furniture items. A variety of products are manufactured by RV Furniture with skilled workmanship. You can completely enjoy the quality of furniture by RV for a long period of time. From modern-day and classic styles, RV Furniture helps users to choose the correct pieces. A number of designs are available which can give you a comfortable feel in your home. Let us look at some pieces of RV Furniture in detail: Classic RV Table This classic table is best quality furniture which you can purchase at around $330. You can easily assemble this table at your home as holes are pre-drilled as well as lined up. The component part comes up with rubber feet attached. The size of Classic RV Table is 27W X 36L X 30H and you can expand it up to 48L. This piece is made with solid hardwood and can be customized according to the ordered size. The styling of this table is amazing and the finishing is beautiful. It is a popular table design by RV Furniture. The best feature is that it can be expanded according to your space. Slab Table with Trestle Base Fill the empty space or a corner with the Slab Table with Trestle Base. The price of this table is approximately $229.00. Size of Slab Table with Trestle Base is 26W X 43L X 30H. It is an efficient table which helps you to utilize space in a better way. Solid hardwoods are used in this piece which makes it solid and long-lasting. Contemporary Mini-Up Coffee Table Mini Coffee tables look beautiful when you put them in the middle or any corner of the room. The size of this table is 21W X 26L X 16H. Also, you can extend the height of the Contemporary Mini-Up Coffee Table to 26 1/4". You can purchase this coffee table by spending roughly $248.00. This table is very useful when you have to serve snacks on the couch or you have to entertain guests. You can put this table in any place. It is adjustable hence you can put it over the bed, couch or any other location. This table is made on order with solid hardwood according to your preferred size. Classic Pie End Table Classic Pie End Table is built with solid hardwoods. The market price of this table is around $109.50. Size of this table is 16W X 20L X 16H. The sturdy construction of this table assure the users of years of utility. It is designed in such a way that it can fit in between two tips at any angle. You can put this table on one side to keep your regular things closer. This small table does not take up a lot of space. If you want a small table for your room then this is the best deal. Classic Folding Dinette Chair The price of the Classic Folding Dinette Chair is approximately $134.40. Its size is 19H X 16D X 16W. You can easily store this chair anywhere. The cushioned seat is completely comfortable. The collapsed size of this chair is 8 ½". Modern-day dinette chairs are found in different shapes and frequently they are slim. Classic Folding Dinette Chair makes a place immediately feel more stylish. Dining rooms become beautiful with these chairs. The chairs can fit in a small space too. Just like an ordinary chair, these chairs are made of solid wood. Also, you can customize the size of the chair according to your space. Various shapes and designs are offered by RV Furniture.

How to choose between chest freezers and upright freezers? If you were to decide between chest freezers and upright freezers, what will your choice be? And, how will you pick between the two? The main factors to consider while making a choice would be the price of the freezer, the capacity, the energy efficiency, and other conveniences. Capacity Both the freezers are available in 5 to 25 cubic feet sizes, but there might be diversity in the capacity, based on the type of the freezer model you choose. Pricing The chest freezers are more economical as the entire area can be utilized for storage. The upright models are little more expensive and provide lesser net storage capacity. Defrosting and energy efficiency The chest freezers usually require manual defrosting, which requires a few hours. As they have a wall insulation on the sides, which is built-in, they can hold the cold temperatures efficiently and take in very less energy. It can easily keep the food frozen for two days, even when it is unplugged. They have a longer life cycle as compared to the upright models. Convenience When it comes to convenience, the upright models are ranked much higher, as they give you the liberty to organize the contents properly. With versatile storage systems, some of the models have adjustable storage bins, with sliding shelves and pull-out baskets. But when it comes to odd-shaped items, it might be difficult to store in them. Whereas it is quite easy to store objects of all shapes in the chest model, one would need to bend a little more, to search for things, and it might be hard to organize as well. Freezer installation As the chest freezers are wider in structure, they will need more space on the floor, as compared to the upright models. The chosen area should also have sufficient headroom so that the door can open effortlessly. The upright model will need lesser footprint but will require more space for the swinging door. If your central purpose is to keep things organized, and you are willing to pay a little extra for that, then you should opt for the upright one. However, if you have a limited funds, and do not mind how things are stored, then a chest model would be the right choice.

It is no secret that traveling is fun, but the planning that goes behind is not fun at all. Packing for a trip is stressful, time-consuming, and is something you would rather escape. But the good news is that today we have the luxury of smart travel accessories that our folks did not have. Read this article to find out about some amazing travel accessories that will change your travel experience. • Carry-All Travel Cosmetic & Jewellery Pouch All women travelers would know the pain of finding all your jewelry tangled to your toiletries as many of them stuff their jewelry and cosmetics in the toiletry bag. But you can save yourself from all the trouble in the first place. The Carry-All Travel Cosmetic & Jewellery Pouch is the answer to your prayers. This cylindrical pouch has a net and band that act as compartments to keep your makeup, shampoo, lenses, and jewelry. It also comes with a separate mini pouch in which you can store your delicate earrings and rings that you are afraid will get misplaced. If not as a travel bag, this easily washable pouch can be used to be kept in your home bathroom to organize your everyday toiletries. • The Traveler Makeup Bag It goes without saying that women carry their makeup when they are traveling so that they can retouch their makeup and always be ready to dazzle. But it often becomes a hassle to take your entire makeup stock in your handbag, and there is a risk of your liquid foundation or lipstick spilling and ruining your bag. That is when the Traveler Makeup Bag comes into the picture. Designed specially for keeping makeup, this compact bag comes with many slots, pockets, and compartments where you can keep everything right from your makeup to credit cards and phone.

• Packing Cubes

Packing cubes are becoming popular among travelers as they are the best way to keep your stuff organized inside your travel luggage. You can buy them online where you can either purchase individual pack or invest in a set of three, six, or more. These packing cubes are wash proof, dust proof, foldable, and come in different sizes for you to choose from. • Anti-theft travel bag Regular travelers would know how stressful it is always to keep a check on your travel accessories when you are on a trip. But now you have nothing to worry about. The new age anti-theft travel bags ensure that your bag is secure throughout your journey. And the best part about these anti-theft travel bags is that they do not compromise on the style and the look of the bag. Travelon and Pacsafe are two of the popular brands you can opt for when you are buying anti-theft travel accessories. • 1Voice Weekender Garment Bag with Built-In Battery If you want to invest in one multitasking all-in-one luggage, then this bag can be your option. This bag transforms from a duffle bag to a spacious bag for clothes to a 10,000 mAh lithium-polymer phone charger all within seconds. The built-in charger can charge your phone 3-6 times at one go, ensuring that always you stay connected to the world. This is the best bag to pick if you are looking for a bag that you can take on all your weekend getaways. The 1Voice Weekender Garment Bag is spacious with multiple compartments and comes with adjustable straps that make it easy to carry them for your trips. Just remember that travel is all about having a good time. With the travel accessories mentioned above, you can make sure that you have a stress-free trip.