Personal Items Policy Q

[u/emandbre]

I have a standalone personal items policy for a piece of jewelry that is likely lost (hand made wedding set).
Have a quality appraisal, photos, etc. A police report has also been filed.

My question is if there is a way to know how a claim will impact things like homeowner’s and auto rates. I would never file a home insurance claim over 10k, but have been paying for a personal items policy for exactly that possibility. Also wondering if there is a problem with waiting another month (or two) to file in the hopes it turns up or I find it at a local pawn shop.

[u/LacyLove]

I would not wait to file.

No one can tell you how it will impact your other rates.