Jewelry and Valuables Insurance

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Most homeowners policies limit coverage on certain valuable items. Get extra protection for jewelry, electronics, fine art, musical equipment, collectibles and more.

Jewelry and Valuables Insurance

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WHY SHOULD YOU CONSIDER SCHEDULING YOUR VALUABLES?

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Fine Art
  • Your homeowner, condo or renter policy provides only limited coverage for lost or damaged high value property.
  • If a scheduled item is lost, it may not be subject to your policy’s deductible or may have a smaller deductible.
  • The policy covers all risks, including mysterious disappearance.
  • If you file a claim, your settlement is the amount for which you scheduled the item.

WHAT’S INCLUDED IN JEWELRY AND VALUABLES INSURANCE?

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A scheduled personal property endorsement provides coverage for your valuable items at their current replacement value--for an additional premium. The amount of coverage is usually determined by a recent appraisal or a receipt for a newly purchased item.

For jewelry, a certified gemologist or reputable jeweler can provide an appraisal for a fee. They will prepare a detailed written description of your jewelry including estimated replacement cost.

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