Personal Lines · Calculator, Comparison & Guide

Valuables & Jewelry Insurance: Calculator, Comparison Table & Guide

Jewelry, watches, art, collectibles, firearms, and instruments. Scheduled coverage vs. homeowners sublimit.

Prong 1 · Interactive Calculator

Scheduled Valuables Estimator

Jewelry, watches, art, collectibles, firearms, and instruments. Scheduled coverage vs. homeowners sublimit.

Results
LineEstimate
Jewelry & watches (~1.5%) —
Fine art (~0.4%) —
Collectibles (~0.8%) —
Firearms (~1%) —
Instruments / cameras (~1.2%) —
Estimated annual scheduled premium —
Jewelry value above typical homeowners theft sublimitUnscheduled jewelry theft is usually capped at $1,500 total. —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

Valuables Coverage Options

Homeowners sublimit vs. scheduled endorsement vs. stand-alone.

CriterionHomeowners (Unscheduled)Scheduled Endorsement (HO)Stand-Alone Valuables Policy
Jewelry theft limit$1,500 totalPer-item appraisedPer-item or blanket
Mysterious disappearanceExcludedIncludedIncluded
DeductibleHome deductibleUsually $0$0
WorldwideIncludedIncludedIncluded
Affects home claims historyYesYesNo
Agreed valueExcludedOptionalIncluded
Best fitUnder $1,500$1,500–$50K> $50K or collections
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

Insuring Jewelry, Art, and Collectibles: Why the Homeowners Sublimit Isn't Enough

Lost the ring in the ocean? That's 'mysterious disappearance' — and it's excluded until you schedule it.

Sublimits

Homeowners caps theft of jewelry ($1,500), firearms ($2,500), silverware ($2,500), and excludes mysterious disappearance entirely.

  • Schedule anything over the sublimit
  • Appraisal within 3–5 years
  • Photographs and receipts for everything

Scheduled vs. stand-alone

Scheduling on the homeowners policy is convenient. A stand-alone valuables policy keeps claims off your home record and offers agreed value.

  • Stand-alone above $50K or for collections
  • Blanket coverage for many small items
  • Agreed value pays the scheduled amount, no depreciation argument

What's covered

All-risk including loss, theft, mysterious disappearance, breakage (art), and worldwide travel.

Frequently Asked Questions

Do I need an appraisal?

For items over $5K–$10K, yes, and within the last 5 years. Under that, a receipt often suffices.

What about wine or cigars?

Collectibles coverage; check the spoilage/temperature clause.

Is my engagement ring covered while traveling abroad?

Yes, once scheduled — coverage is worldwide.

Related: jewelry insurance · scheduled personal property · fine art insurance · watch insurance

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your valuables & jewelry exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.