Does homeowners insurance cover my engagement ring?

Only up to a sub-limit, often a few thousand dollars and frequently for theft only. Scheduling the ring covers its full appraised value against broader losses, usually with no deductible.

What does it mean to schedule jewelry?

Scheduling lists a specific item on your policy at an agreed value, based on an appraisal or receipt, and covers it for a broader set of losses than the homeowners sub-limit.

Do I need an appraisal?

Usually for higher-value items, yes. An appraisal or receipt sets the agreed value. We help you understand what documentation each item needs.

Valuables and Jewelry Insurance - Vantage Point Risk

Valuables and jewelry insurance, beyond your homeowners limits.

Homeowners policies cap how much they pay for jewelry, watches, art, and other valuables, often far below what the items are worth, and sometimes only for theft. Scheduling your valuables removes the cap, broadens the perils, and usually drops the deductible to zero.

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Standard homeowners coverage has sub-limits on valuables like jewelry and watches, frequently a few thousand dollars and often theft-only. Scheduling each item, or adding a blanket valuables policy, covers them for their appraised value against a much broader set of losses, usually with no deductible.

Where homeowners coverage falls short

Most homeowners policies limit payouts for categories like jewelry, watches, furs, art, and collectibles, and often only for theft. An engagement ring worth far more than the sub-limit is effectively underinsured.

Scheduling the item, based on an appraisal or receipt, covers it for its agreed value against broader perils such as accidental loss and damage, typically with no deductible.

Scheduling vs blanket coverage

You can schedule individual high-value pieces or add blanket coverage for a category. Scheduling gives agreed-value certainty for specific items; blanket coverage is simpler for many smaller pieces. Often a mix is right.

Keeping appraisals current matters, since values, especially for jewelry and watches, change over time.

When it is worth a review

Review when you buy or receive jewelry, inherit valuables, build a collection, or simply realize your homeowners sub-limit is far below what you own. It is one of the most common and easily fixed gaps.

Valuables and jewelry insurance, beyond your homeowners limits.

Where homeowners coverage falls short

Scheduling vs blanket coverage

When it is worth a review

Common questions.

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Valuables and jewelry insurance, beyond your homeowners limits.