Jewelry is not always automatically fully insured. But no worries. You can typically add jewelry to a homeowners, renters, condo, or manufactured home policy. Just contact us, or your insurer, to insure the full appraised value. Most of the time it is better to have your valuable items such as your jewelry scheduled. “Scheduled” means the item is listed separately and not lumped together with everything else. Scheduled jewelry insurance can be attached to your existing policy or it can be completely separate.
Coverage for jewelry is often limited on insurance policies. A lot of times, coverage depends on how much your jewelry is worth and the type of loss (theft, fire, etc.). Long story short: If you want to be sure your jewelry is fully covered, you need to add it to your policy. This is technically called scheduling an item or adding a rider, but it’s really just like listing a special one-off item on your policy.
Why isn’t jewelry automatically insured?
Coverages for your jewelry:
Types of jewelry you can insure:
You can insure almost any type of jewelry, including engagement rings, other wedding rings, diamond rings, necklaces, bracelets, etc. Most insurance companies do have a maximum limit they’ll insure. That limit can vary and may depend on your policy’s total coverage amount. If you have jewelry worth more than the max insured amount, you’ll need a completely separate policy.
What’s not covered:
At Capital Insurance Service we offer Home Insurance, Renters Insurance, Motorcycle Insurance, Boat Insurance, Mobile Home Insurance, Business Insurance, Life Insurance.