If you show up to see tenants or contractors with nice cars, jewelry, and other nice stuff, it just seems like a bad idea.

That's why as soon as I wake up at 430am after I meditate and write down my goals the third thing I always do is put on my jewelry.

Another option would be to offer the seller a free vacation, flat screen TV, jewelry, etc. if you successfully purchase the property.

While everyone else are using their money to buy clothes , jewelry, and tattoos.

I'm not trying to be disrespectful but I say "GO" with your gut and installed nice kitchen furnishings, (and see what happens), and "IF" your nice kitchen furnishings are destroyed then he/they is/are to be held accountable, (and ask for strong security deposit),I remember when I was hired for JcPenney and it's JcPenney Store Manager walked through lamp section (where I was working and dusting and re-arranging lamps) and said to me that I had belong in "Fine Jewelry" Department and moved me into "Fine Jewelry" Department (where I was required me to hold keys for "Fine Jewelry" Department)...This had lead me to seeing video of how person is "Judge/Misjudge"...In video 2 different men (at separate times) walked into "Fine Jewelry" Department,In 1st video the man was professionally dressed and it's "Fine Jewelry" Department Rep was eager to help him (later she learned he didn't have any money and he walked out) and he didn't say "Thank You",Then....In 2nd video the man was homelessly dressed and it's "Fine Jewelry" Department Rep wasn't eager to help him (later she had learned he was millionaire who did have money, and never approach him (and she lost sale)) and he did say "Thank You"...So moral of this comment is: "Just because property is in bad area doesn't mean tenant/tenants bad person/people..Let your property be different from other properties to give tenant/tenants a chances/chance of "Positive" hope"...Yet at the end of day you R "Final Decision Maker and I will respect your feelings..."

I dont have jewelry and i put deductible a bit higher ( i am ensuring a worst case scenario, so up to 5% of the property value i accept as my risk).

But one unnamed L.A. businessman has taken this to the extreme, commissioning a custom mask worth $1.5 million from an Israeli jewelry company called Yvel.

In our area it is usually somewhere in the 30-40% range, and then if you have items that are high value such as jewelry, equipment, etc - you’d want to list them out specifically as that can skew the numbers.Your agent is right though -usually the only way to lower the Property Amount would to be to lower the Building Limit.Also, very common that Replacement Costs are much higher than appraised value.

On top of that I hadlost one of my online Jewelry sites, was closed because I wasn'tselling on them exclusively...I do sell on some others but the mainone Ruby Lane was the most lucrative. 

Now, if you spend the profit on consumption (a.k.a. buying a new house, a new car, clothes, jewelry, etc.), it'll just slow down your wealth building strategy.