Jewelry and other personal belongings are usually covered under the personal property coverage part of your homeowners insurance policy, which is around 50% to 70% of your dwelling coverage. However, because jewelry can be especially valuable, insurers often place a sub-limit of $1,000 to $2,500, depending on the provider.
Does Homeowners Insurance Cover Jewelry?
Updated: December 5, 2025
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Key Takeaways
Most homeowners insurance policies cover between $1,000 and $2,500 for stolen or damaged jewelry under named perils.
If your jewelry is worth more than your home insurance's built-in coverage limit, you can add scheduled personal property coverage to get full coverage for high-value items.
Homeowners insurance doesn't cover jewelry lost through negligence.
Is Jewelry Covered Under Homeowners Insurance?
Does homeowners insurance cover lost jewelry?
Lost jewelry is rarely covered under a standard HO-3 policy since personal property is protected only against named perils, like fire or theft. An HO-5 policy provides broader, open-perils protection that may cover lost items, but insurers often view loss as neglect. If your insurer provides scheduled personal property coverage, however, you can ask your agent if this endorsement covers accidental or mysterious loss.
Does homeowners insurance cover stolen jewelry?
Jewelry theft is covered, but most policies limit payouts to around $1,000 to $2,500 unless you’ve added extra coverage. Getting a scheduled personal property endorsement for jewelry ensures your high-value items are fully reimbursed.
Does homeowners insurance cover damaged jewelry?
Jewelry is covered if it’s damaged by a listed peril, like fire or wind, but only up to your policy limits. With scheduled personal property coverage, accidental damage may also be included with no deductible, but this varies from insurer to insurer. Before purchasing coverage, ask your insurance agent about the limits of a scheduled personal property endorsement.
Does homeowners insurance cover jewelry outside the home?
Yes, most policies cover stolen or damaged jewelry even when it’s outside your home, but only up to the theft sublimit.
Perils That Cover Jewelry in Home Insurance
- Theft: Jewelry is covered if it’s stolen, though standard policies often include a sub-limit unless the item is scheduled.
- Fire and Smoke: Damage or loss due to fire or smoke is covered under personal property cover.
- Vandalism: Your insurer covers jewelry that is intentionally damaged during a break-in or other covered event.
- Windstorms and Hail: Jewelry damaged inside the home by wind or hail is usually covered.
- Water Damage (From Internal Sources): Although damage from burst pipes or plumbing leaks is covered, flood-related losses are not.
- Explosions: Losses caused by explosions, such as from a gas leak, are typically covered.
- Falling Objects: Jewelry damaged by objects falling through the roof may be covered if an event is sudden and accidental.
WHY JEWELRY HAS SUBLIMITS
A sublimit caps how much you can recover for certain categories, regardless of your total personal property coverage. For example, if you have $100,000 in personal property coverage but a $2,000 jewelry sublimit, you'll only receive up to $2,000 for stolen or damaged jewelry, even though your overall coverage is much higher.
These sublimits exist because jewelry is easy to lose, frequently worn outside the home and difficult for insurers to verify without appraisals. Standard policies protect against basic risks, but high-value items need scheduled coverage for full protection.
Pair or Set Conditions under Homeowners Insurance
If you lose one earring from a pair or a single piece from a matching jewelry set, your insurance won't necessarily pay for the entire set's value. Most policies use a "pair and set clause," which limits reimbursement to the proportional value of the lost or damaged piece.
For example, if you lose one earring from a $2,000 pair, you might receive $1,000 (half the set's value) rather than $2,000 to replace the entire pair. Some insurers offer more favorable terms, paying to replace the full set or covering the diminished value of the remaining piece. Check your policy's specific language or ask your insurer how they handle pair and set claims before filing.
How Much Jewelry Is Covered by Homeowners Insurance?
Most standard homeowners policies cap jewelry theft coverage at around $1,000 to $2,500.
To get full coverage:
- Increase your personal property limit
- Add a scheduled personal property endorsement (itemized)
- Purchase a jewelry floater policy (non-itemized but broad)
When Is Jewelry Not Covered by Homeowners Insurance?
Homeowners insurance does cover jewelry, but there are specific situations where coverage may be limited or denied. Here are the main exclusions:
Exceeding the Sublimit
Most policies cap jewelry coverage at $1,000 to $2,500 total for all jewelry claims, not per item. If your engagement ring alone is worth $5,000, you'll only recover up to your policy's sublimit unless you've scheduled it separately. The remaining value becomes your out-of-pocket loss.
Mysterious Disappearance
If your jewelry goes missing and there’s no clear evidence of theft or loss, it may not be covered. This type of vague or unexplained loss is often excluded from standard policies.
Accidental Damage or Loss
Dropping a ring down the drain or accidentally damaging a bracelet may not be covered under a basic homeowners policy. These types of incidents are usually only covered if the item is scheduled.
Wear and Tear
Damage from age, gradual deterioration or lack of maintenance isn’t covered. Homeowners insurance only protects against sudden and accidental losses, not predictable aging.
Excluded Perils
Events like earthquakes or floods are not covered unless you have separate endorsements or policies. If your jewelry is damaged during one of these events, you won't be covered under standard coverage.
Insurance on Jewelry: Getting Extra Coverage
If your jewelry is worth more than what your standard homeowners policy covers, you need more coverage.
Adding High-Value Jewelry to Homeowners Insurance
If your jewelry is worth more than your policy's sublimit, you can add scheduled personal property coverage, which insures high-value items for their full appraised value. This coverage also protects against accidental loss or mysterious disappearance. Depending on the insurer, scheduled items may have no deductible or a lower one, allowing you to recover the full insured amount if a covered loss occurs.
Buying Jewelry Insurance
Jewelry insurance is a standalone policy designed to protect valuable pieces like rings, watches, bracelets and heirlooms from risks such as theft, loss or accidental damage. It offers broader protection than homeowners insurance. These policies typically insure each item for its full appraised value and may not carry a deductible.
Jewelry Insurance vs. Homeowners Insurance
A standalone jewelry insurance policy works better if your pieces are especially valuable or if you want broader protection than your homeowners policy offers. Here's how it compares to adding a jewelry endorsement to your home insurance:
Coverage Limit | Matches the scheduled value of each item | Matches the scheduled value of each item |
Covered Perils | Covers named perils, may include theft, fire, accidental loss (varies by provider) | Often includes broader protection, including accidental loss and mysterious disappearance |
Deductible | May apply or be reduced | Often no deductible |
Claim Impact on Home Policy | May affect homeowners premium or claims history | Claims don’t impact your homeowners policy |
Provider | Added through your existing homeowners insurer | Purchased from a specialized jewelry insurer |
Best For | Moderate-value pieces needing limited extra coverage | High-value or sentimental pieces needing comprehensive protection |
Choose a jewelry endorsement if your pieces are moderately valuable and you want simple coverage through your existing policy. This option costs less and keeps everything in one place, though it may not cover all loss scenarios. Opt for standalone jewelry insurance if you own high-value pieces worth $10,000 or more, frequently travel with jewelry or want the broadest protection available. Standalone policies typically cost 1% to 2% of your jewelry's appraised value annually and offer more comprehensive coverage than endorsements.
How to Purchase Home Insurance Jewelry Endorsements or Jewelry Insurance
If you own valuable jewelry, adding extra protection through a homeowners endorsement or standalone jewelry insurance gives you better coverage; affordable home insurance plus a well-priced endorsement often beats a standalone policy.
Follow these steps to get the right level of coverage for your items.
- 1Get a Recent Appraisal or Receipt
Insurance companies typically require proof of value to schedule jewelry or issue a separate policy. This helps determine accurate coverage and ensures proper reimbursement in case of a claim.
- 2Contact Your Insurance Provider or a Jewelry Insurer
Ask your current insurer about adding a scheduled personal property endorsement. You can also compare quotes from companies that specialize in standalone jewelry insurance for broader protection.
- 3Choose Your Coverage Limits and Deductible
Decide whether you want coverage for full replacement value and whether a deductible applies. Scheduled endorsements often allow you to set a lower or zero deductible for high-value items.
- 4Review Covered Perils and Exclusions
Not all policies cover accidental loss or mysterious disappearance. Read the fine print so you know exactly what events your jewelry is protected against.
- 5Finalize and Add Coverage
Once you're satisfied with the terms, your insurer will add the endorsement or activate your standalone policy. Keep documentation on file in case you need to update values or file a claim later.
When to Update Your Jewelry Coverage
Jewelry values change over time, and your coverage should reflect those changes. Review and update your scheduled items or endorsements whenever your jewelry's value increases or you acquire new pieces.
Update your coverage after:
- Purchasing new jewelry worth more than your sublimit
- Inheriting valuable pieces or receiving expensive gifts
- Having jewelry appraised at a higher value than originally insured
- Noticing significant market value increases for gemstones or precious metals
- Making major modifications or upgrades to existing pieces
Request new appraisals every three to five years to ensure your coverage matches current replacement costs. Outdated valuations can leave you underinsured, meaning you won't receive enough to replace your items if they're lost or stolen.
Tips to Protect Your Jewelry at Home
Even if your homeowners insurance includes jewelry coverage, it's still important to take extra steps to prevent theft or loss. Insurance can help you recover financially, but it can’t replace the sentimental value of certain pieces. These simple habits can help keep your jewelry secure and reduce the risk of having to file a claim.
Install a Home Security System
Installing cameras, motion detectors or alarm systems can deter break-ins and make your home safer. Choose systems with remote monitoring so you can act quickly if something seems off.
Store Jewelry in a Safe or Lock Box
Keeping your jewelry in a locked safe or secure storage box helps prevent easy access during a break-in. Avoid leaving valuable items in common areas like bedroom dressers or bathroom counters.
Schedule Repairs When You’re Home
Be present when contractors, cleaners or other service workers enter your home. This reduces the risk of theft or items going missing during a visit.
Keep Entry Points Secured
Always lock doors and windows, especially at night or when you're away. Unsecured access points are one of the most common ways burglars enter a home.
Be Cautious When Traveling
If you bring jewelry on a trip, use a hotel safe or keep items with you at all times. Avoid wearing expensive pieces in unfamiliar or high-risk areas.
Keep Documentation Updated
Maintain current appraisals, receipts and photos of your jewelry if you need to file a claim. Keep digital copies safe for easy access when needed.
Where to Buy Homeowners Insurance That Covers Jewelry
Most homeowners insurance providers offer jewelry coverage through their standard policies, though sublimits and endorsement options vary by carrier. Major insurers like State Farm, Allstate and USAA provide scheduled personal property endorsements, while companies like Hippo and Lemonade offer modern, digital-first options with flexible coverage.
Shop around and compare at least three quotes to find competitive rates and coverage that matches your jewelry's value. Some insurers specialize in high-value items and may offer better terms for expensive collections.
The amount of personal property you insure affects your overall premium. Homeowners insurance costs roughly $175 per month. Rates vary across insurance providers. MoneyGeek recommends shopping around and comparing quotes to find the best rates. Use MoneyGeek's personal property calculator below to estimate how much coverage you need.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
How to File a Claim for Lost or Damaged Jewelry
If your jewelry is lost, stolen or damaged, filing a claim through your homeowners or jewelry insurance policy helps you recover its value. The process requires documentation and timely communication with your insurer to avoid delays or denied claims.
- 1Contact Your Insurance Company Immediately
As soon as you notice your jewelry is missing or damaged, notify your insurer to begin the claims process. Some policies have time limits for reporting, so acting quickly is important. Be prepared to explain what happened and when you last saw the item.
- 2Gather Supporting Documentation
Collect any appraisals, purchase receipts, photos and previous correspondence related to the item. Keeping a home inventory usually makes this step easier. If it was stolen, also include a copy of the police report, which many insurers require.
- 3Complete the Claims Form
Your insurer will provide a claims form asking for details like how the loss occurred and a description of the item. Be thorough and accurate to avoid delays or additional follow-ups. Include supporting documents when submitting the form to speed up the review.
- 4Cooperate With the Claims Adjuster
The insurer may assign a claims adjuster to review your submission and assess the loss. They may ask for further documentation, photos or interviews to verify the claim. Respond promptly and provide any additional information requested.
- 5Review the Settlement Offer
Once your claim is processed, the insurer will issue a settlement based on your policy’s terms, limits and deductible. If you agree with the amount, the payout is typically sent via check or direct deposit. If you disagree, you can request a reassessment or provide additional information to support your claim.
Jewelry Coverage Under Homeowners Insurance: Bottom Line
Homeowners insurance does cover jewelry, but the standard policy limit is usually low. For full protection, especially against loss, theft or high-value items, you should consider adding a scheduled personal property endorsement or jewelry floater. Always document your valuables and compare policies to find the right coverage.
Home Insurance Jewelry Coverage: FAQ
Homeowners often have questions about how their policies protect jewelry, especially when it comes to coverage limits, travel and claims. These answers clarify common concerns and help you understand what's covered under standard policies versus additional endorsements.
Do I need an appraisal to insure my jewelry?
Yes, most insurance companies require a professional appraisal for jewelry worth more than your policy's sublimit before adding scheduled personal property coverage. The appraisal documents the item's value, specifications and authenticity, which helps determine your coverage amount and ensures accurate reimbursement if you file a claim.
Does homeowners insurance cover jewelry lost while traveling?
Yes, standard homeowners insurance covers jewelry stolen or damaged while traveling, but only up to your policy's sublimit (typically $1,000 to $2,500 total). If you regularly travel with valuable pieces, add scheduled personal property coverage or purchase standalone jewelry insurance for full protection. These options often include worldwide coverage with no deductible, protecting your items whether you're across town or abroad.
Will filing a jewelry claim increase my homeowners insurance rates?
Filing a jewelry claim can increase your homeowners insurance premium at renewal, especially if you file multiple claims within a few years. The impact varies by insurer and your claims history. Standalone jewelry insurance policies prevent this issue—claims don't affect your homeowners policy since they're separate. Consider whether the claim amount exceeds your deductible by enough to justify potential rate increases before filing.
Homeowners Insurance and Jewelry: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Insurance Information Institute. "Special Coverage for Jewelry and Other Valuables." Accessed August 5, 2025.