My husband and I have jewelry. How do we insure it?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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You and your husband’s homeowner’s policy covers a small amount of jewelry, but that is subject to your deductible and the protection is limited. For example, if you lost a stone from a ring, it would not be insured. You would also not be covered if the item mysteriously disappeared (meaning there was no evidence of theft or robbery).

Usually recent appraisals or receipts are required to insure jewelry separately depending upon the value of the items. Each company has their own guidelines for appraisal requirements as well as for pricing. If you specifically insure or “schedule” jewelry, there is usually no deductible for losses and very few exclusions. While you might get a better price if you insure your jewelry with your homeowner’s insurance company, it does pay to shop around, because some companies specialize in this kind of insurance and have much better pricing than others. Make sure you’re aware of the restrictions in any policy.

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