Today is interesting insurance tidbits day for me. I was always told people should get a jewelry rider on their homeowners' policies for their big, fat diamond rings and Rolexes. Apparently there is a better way...

If your listed jewelry is lost or stolen at home, you're covered on your homeowners' policy AFTER you pay that hefty house-sized deductible. Then your premium goes up the next year to reward you for having a theft claim. Not nice...

It makes more sense to get an "inland marine" policy, sometimes called a "floater" or "special articles" for expensive jewelry or watches or anything else that's especially valuable that might leave home with you on a regular basis. This type of policy covers you no matter where you are, and it sounds like it's quite affordable for what the coverage offers.

Now doesn't that just make your weekend! You can thank me for all this great info by referring someone nice who needs to buy or sell a house. =)