What it may cover
- Loss, theft, or damage to scheduled jewelry pieces
- Mysterious disappearance, not just theft with a police report
- Worldwide coverage, not limited to your home
- Repair or replacement at full appraised value
- Damage from a dropped stone, clasp failure, or accidental loss of a gem
Who it's for
- Owners of engagement rings and fine jewelry
- Watch collectors
- Anyone whose jewelry value exceeds their homeowners policy sublimit
- Travelers who regularly wear or transport valuable pieces
Why it matters
Most homeowners policies cap jewelry theft claims around $1,500–$2,500 total. A single engagement ring can easily exceed that limit on its own, and homeowners coverage typically excludes mysterious disappearance and accidental damage entirely, two of the most common ways fine jewelry is actually lost.
Common coverage options
Scheduled item coverage
Each piece is individually appraised and insured at its full value.
Blanket jewelry coverage
Covers a collection up to a set total limit without itemizing every piece.
Bridal set coverage
Combines an engagement ring and wedding band under one scheduled item with matched valuation.
What affects the price
- 01Appraised value of each piece
- 02Whether pieces are stored in a safe or worn regularly
- 03Total number of items scheduled
- 04Where the item was purchased and whether a recent appraisal is available
Questions to ask before buying
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Frequently asked questions
Coverage details depend on the carrier, selected policy, applicable state laws, underwriting criteria, and specific exclusions. This content is for informational purposes only and does not constitute legal or financial advice.
