Jewelry & Valuables Insurance
Standard homeowners and renters policies limit jewelry coverage to $1,500–$2,500 per item and impose a sub-limit of $2,500–$10,000 for all jewelry combined — far below the value of most engagement rings, fine jewelry collections, or luxury watch collections. A scheduled personal articles policy (jew…
Key Coverages for Jewelry & Valuables Businesses
- Scheduled coverage at full appraised value for each listed item
- Accidental loss and mysterious disappearance (lost, not just stolen)
- Theft — burglary, robbery, and theft from a vehicle
- Physical damage — accidental breakage of gemstones and settings
- Worldwide coverage following items wherever you travel
- No deductible on most jewelry floater programs
Frequently Asked Questions
Do I need an appraisal for my engagement ring?
For items under $5,000, most carriers accept the receipt from the jeweler. Over $5,000, a recent appraisal from a GIA-certified gemologist is strongly recommended. Appraisals should be updated every 2–3 years as jewelry values — particularly diamonds…
Does a jewelry floater cover me if I lose a ring at the beach?
Yes. This is accidental loss or mysterious disappearance — one of the most important distinctions from your homeowners policy. Your homeowners policy often requires evidence of theft. A floater covers an unexplained disappearance without requiring pr…