Valuables & Jewelry Insurance
Scheduled coverage for jewelry, watches, art, and collectibles at appraised value, usually with no deductible and worldwide coverage.
Who Needs It
- Owners of engagement rings, watches, and fine jewelry
- Art, wine, and collectible owners
- Anyone whose homeowners jewelry sublimit ($1,500–$2,500) is too low
What It Covers
- Scheduled items at agreed or appraised value
- Mysterious disappearance
- Worldwide coverage
- No deductible on most schedules
- Pairs-and-sets coverage
What It Does Not Cover
- Wear and tear, gradual deterioration
- Items without a current appraisal where required
- Intentional loss
Texas Notes
Recent appraisals (within 3–5 years) are required for most Texas carriers; gold price movements have pushed many rings above old appraisals.
Florida Notes
Same; Florida carriers may require a home safe or alarm for large schedules.
Valuables & Jewelry Insurance Questions We Hear Most
Do I need an appraisal?
For items above a threshold (often $5K–$10K), yes, and it should be recent. Below that, a receipt usually suffices.
Related Coverage Guides
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