Jewelry Coverage: Specialty Jewelry Insurance vs. a Homeowners Policy

Jewelry Coverage: Specialty Jewelry Insurance vs. a Homeowners Policy

September 18, 2022

Are you depending on your homeowners insurance policy to cover your jewelry? Here’s why that coverage may not provide the coverage you need.

It’s common for homeowners to bundle their possessions under a homeowners policy. However, there are many benefits of having a specialty jewelry policy. A homeowners policy will pay for repair or replacement if it is only from a covered incident, but coverage can be limited. A standard home insurance policy can limit coverage to $1,500 for theft of your precious jewelry and chooses the jeweler for your claim.

Protect your heirloom and high value jewelry with a separate jewelry policy that won’t fall short in coverage. A major advantage is that your homeowner’s policy will not be affected if you file a claim through your jewelry insurance. A standalone jewelry insurance policy offers coverage for accidental loss, theft, damage, disappearance, and floor or earthquake. Through a jewelry insurance policy, you can choose your jeweler for your claim and there’s also a $0 deductible option.

Ensure you are protecting your valuable items with a standalone jewelry policy. Keep sales receipts and photos of your valuable jewelry. Store your high value jewelry in a secure place and consider an alternative location in your house to make it harder for your jewelry to be stolen.

Take a look at our chart comparing options for insuring your jewelry.

You can visit Associated Insurance Managers at 11111 Katy Freeway, Suite 120, in Houston. They are a full-service independent insurance agency providing personal and commercial insurance. To learn more about the services offered, email, visit their website at, or contact them at (713) 365-8400.