Safe Deposit Box or Home Safe: Which is the Best Place for Your Valuables?

There are pros and cons for using either a safe deposit box at a bank or a home safe, including some things I’ll bet you’ve never thought of.  I’m going to list a few ideas you need to be aware of so you can make an informed decision.  After all, you don’t want to place your newly-acquired gold bullion, your heirlooms and expensive jewelry, or your important papers at risk. 

 

Safe Deposit Box

Nothing in your safe deposit box is insured by the FDIC, nor is the bank liable for it.  So be sure these items are included in your personal insurance policy, even if you have to add a rider (a personal-articles floater).  Ask for language stating “we cover personal property owned or used by an insured while it is anywhere in the world” for your jewelry.

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