Does home insurance cover jewelry that's lost or stolen?

I have some valuable and sentimental jewelry I want to protect. Are my pieces protected from loss or theft?

Answer
Home insurance companies typically have limits on the amount of coverage they will extend to jewelry. In the event that your jewelry is stolen, you would typically have coverage up to the covered amount on your policy. You can, however, choose to add additional coverage to your policy.
If you lose your jewelry, in most cases that would not be covered — unless you have a specific coverage called “mysterious disappearance” on your home insurance policy for the jewelry.
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Savannah Grabek
Answered on Mar 02, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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