Protect what you treasure
Jewelry Insurance Coverage & Quotes
Jewelry insurance protects rings, watches, and heirlooms beyond the small limits of a home or renters policy — often covering loss, theft, and accidental damage.
- Licensed in all 50 states
- No effect on credit score
- Free comparison
- Compare 120+ carriers
Get free jewelry insurance quotes
Where are you located?
Jewelry coverage protects valuable pieces beyond home policy limits. Start with your ZIP.
Free comparison · No obligation · Carrier availability varies by product and state.
Quick answer
Jewelry insurance covers valuable pieces for their full appraised value, typically against loss, theft, and accidental damage. Standard home and renters policies cap jewelry coverage at a low sub-limit, so high-value items need a scheduled rider or a standalone jewelry policy.
Why standard policies fall short
Home and renters policies typically limit jewelry theft coverage to roughly $1,000–$2,500 and may exclude accidental loss. For an engagement ring or luxury watch, that is rarely enough. A scheduled rider or standalone policy closes the gap.
Ways to insure your jewelry
You have two main options.
- Scheduled rider (floater) — adds a specific appraised item to your home or renters policy at full value, often with no deductible.
- Standalone jewelry policy — a dedicated policy focused on jewelry, often with broad worldwide coverage.
Specialty carriers vs. a floater on your home policy
You can insure jewelry with a specialty carrier such as Jewelers Mutual or JIBNA, or add pieces to your homeowners or renters policy as a personal-articles floater (scheduled personal property). See our jewelry insurance companies & floaters guide to compare both paths.
Appraisals and documentation
Insurers usually request a recent professional appraisal or receipt to set the insured value. Keep photos, appraisals, and receipts on file to make any claim smoother. Pair jewelry coverage with your renters or home policy.
Related coverage
Last updated:
Jewelry Insurance FAQs
Standard policies cover jewelry only up to a sub-limit (often around $1,000–$2,500 for theft). Valuable pieces usually need scheduled coverage or a separate jewelry policy to be fully protected.
Ready to see how much you could save?
Compare personalized quotes from top carriers in minutes — free and with no obligation.
- Licensed in all 50 states
- No effect on credit score
- Free comparison
- Compare 120+ carriers