Coverage
Jewelry Insurance
A homeowners policy caps theft of jewelry at $1,500, and that is the total for the whole category rather than the limit on one piece. Scheduling insures a ring, a watch, or an inherited piece at its own value wherever it goes.
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What scheduled jewelry coverage does
Scheduled items
Individual items listed on the policy at their own values, based on an appraisal or a receipt. Scheduling replaces the category sublimit buried in your homeowners form with a limit set to the actual piece.
No deductible
Scheduled items generally carry no deductible, so a lost stone is a claim rather than a calculation. On a piece worth less than your homeowners deductible, that difference is the whole point of scheduling it.
Mysterious disappearance
A ring that is simply gone, with no theft and no explanation. Scheduled coverage generally includes it and unscheduled coverage generally does not, which is the gap owners find out about after the loss.
Worldwide coverage
Coverage follows the item rather than the address, so a watch is insured on a trip, at a wedding, and in a hotel safe overseas. Unscheduled personal property away from home is treated far more narrowly.
Pairs and sets
A matched set is valued as a set. Losing one earring damages the value of both, and a properly written schedule accounts for that instead of paying for half.
Appraisal and valuation
A current appraisal makes a claim straightforward and a stale one turns it into an argument. We tell you which items need paperwork and which can be scheduled from a receipt.
Market value tracking
Values move, particularly for gold, stones, and watches. Some policies allow the scheduled amount to track market movement within a percentage, which keeps a piece from becoming underinsured.
Art and collectibles
Art, silver, firearms, wine, sports memorabilia, and collections generally. All of them carry their own sublimits in a standard homeowners form, and all of them can be scheduled the same way jewelry is.
Who it’s for
Who needs scheduled jewelry coverage
Engagement and wedding rings
The sentimental value and the insured value on a ring are almost never the same number.
Inherited and heirloom pieces
Pieces that came down through the family and have never been appraised or listed anywhere.
Watch collectors
A single watch can exceed the entire homeowner’s jewelry sublimit on its own.
Art and collections owners
Art, silver, and collections that a homeowners policy treats as ordinary contents.
Our process
How we schedule a jewelry piece
Send what you have
An appraisal, a receipt, or in some cases a clear photograph and a description is enough to start valuing an item properly.
We schedule each piece
Each item goes on the schedule at its own value, with the carriers that write personal articles well. That is a different market from the one that writes the house.
We revisit it annually
A piece appraised eight years ago is almost certainly insured for the wrong number today, so the schedule comes up at your annual review.
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Common questions
Questions we hear about jewelry scheduling valuables
Less than most people expect. Homeowners forms typically cap jewelry theft at a low figure, commonly around $1,500 in total rather than per item, which a single ring can exceed on its own. The standard form limits theft of jewelry, watches, furs, and precious and semiprecious stones to $1,500, and that figure is the total for the category on any one loss rather than a limit per piece. Firearms and silverware carry their own $2,500 limits. These caps apply to theft only, so a fire or a windstorm loss is not limited by them, though you still have to prove what you owned and what it was worth.
For higher-value pieces, yes, and a current one. Lower-value items can often be scheduled from a receipt, but an appraisal is what settles a claim quickly and without a conversation about worth.
Mysterious disappearance is an item that is gone with no explanation. Scheduled coverage generally includes it and unscheduled contents coverage generally does not, and it is also the way most jewelry is actually lost.
Scheduled items usually carry none, which matters most on pieces worth less than your homeowners deductible. Without scheduling, an item like that is covered on paper and not worth claiming in practice.
Yes. Scheduled coverage follows the item rather than the house, so a piece is insured on a trip, in a hotel, and overseas. Ordinary contents coverage away from home works differently.
Every few years for most pieces, and sooner for gold and watches. We flag it at the annual review, since an out-of-date appraisal is the most common reason a claim pays less than an owner expected.
Get started
Quote my jewelry
Send us your appraisals and a licensed agent will follow up the same business day with a quote.