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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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.
Common questions.
Does homeowners insurance cover my engagement ring?
What does it mean to schedule jewelry?
Do I need an appraisal?
Not sure your coverage fits your household?
We will walk through your home, autos, assets, and liability, then show you what is worth a closer look. Educational, not a quote.
Valuables and jewelry insurance, beyond your homeowners limits.
Tell us about your household and we will give you a straight read on coverage, gaps, and the right next step. No pressure, no obligation.