Is coverage for jewelry a form of additional protection when it comes to home insurance?

I've heard different things about insuring jewelry. Some say it's included in regular home insurance and others say it's not. Is insurance for jewelry an extra or standard form of protection?

Answer

Jewelry is automatically covered on a standard homeowners policy, but each item will have a limit on it. You can purchase additional coverage if you wish. Any high-value items should be scheduled onto the policy with additional coverage by using an appraisal to make sure they are covered to their full value.

To learn more about insuring jewelry, check out this article: What Is Jewelry and Valuable Items Coverage?.

Alexah Grinnell

Answered on Mar 02, 2021

Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids

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