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

Answered by Home Insurance, Car Insurance Expert Savannah on December 28, 2020

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

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Home Insurance, Car Insurance Expert

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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