Does Homeowners Insurance Cover Jewelry?

Yes, homeowners insurance typically covers jewelry, but only under specific conditions. Jewelry is included under the personal property section of your policy, and coverage is usually limited to named perils like theft or fire. However, these policies often cap coverage amounts, commonly around $1,500 for all jewelry combined, unless you purchase additional protection.

Jewelry is covered under your personal property coverage, but only against specific perils such as:

• Theft
• Fire and smoke
• Vandalism
• Wind or hail (if it causes jewelry loss indirectly)

However, the coverage limit is often low. For example, if your engagement ring is stolen and your policy only covers $1,500 for jewelry, you’ll need to pay out of pocket for anything above that amount unless you have scheduled coverage.

Most standard homeowners policies cap jewelry theft coverage at around $1,000 to $2,500, regardless of how many pieces are stolen. Other losses (like fire) may apply to your overall personal property limit, but theft sub-limits still apply.

To get full coverage for valuable items, you can:

• Increase your personal property limit
• Add a scheduled personal property endorsement (itemized)
• Purchase a jewelry floater policy (non-itemized but broad)

While the personal property coverage in your homeowners insurance policy covers jewelry and other valuables, you may not be covered in the following instances:

• Jewelry is lost due to your negligence.
• Jewelry is lost or damaged due to floods.

In general, personal property insurance does not cover lost jewelry. Additionally, homeowners insurance policies offer limited coverage for stolen valuables, usually limited to $1,000 to $2,500 total. If you need broader protection, consider increasing your personal property coverage limit.

Protecting high-value jewelry goes beyond standard homeowners insurance. Follow these steps to ensure your valuables are fully covered:

Even if your homeowners insurance covers jewelry, you should always take precautions to keep it safe. Here are three effective ways to protect your valuables:

Most large and small insurers, like State Farm and Hippo, respectively, offer homeowners insurance with jewelry coverage options.. Homeowners insurance costs roughly $175 per month. Homeowners insurance rates vary across insurance providers. MoneyGeek recommends shopping around and comparing quotes from various providers to ensure you get the best bargain.

The amount of personal property you decide to insure will substantially affect the overall cost. Use MoneyGeek's personal property calculator to figure out how much coverage you may need.

Homeowners insurance does cover jewelry, but the standard policy limit is usually low. For full protection, especially against loss, theft or for high-value items, you should consider adding a scheduled personal property endorsement or jewelry floater. Always document your valuables and compare policies to ensure your coverage meets your needs.

We answer frequently asked questions about how homeowners insurance covers jewelry, clarifying what’s protected, what’s not and how to get the right coverage.

MoneyGeek analyzed quotes from multiple insurance providers across the U.S. using a profile that reflects the average homeowner. By considering different locations and companies, we aim to give a reliable estimate of what homeowners can expect to pay — showing why it’s important to compare rates.

Homeowner Profile

For our analysis, we created a sample homeowner profile with the following characteristics:

• Good credit score (769–792)
• Home constructed in 2000
• Wood-frame construction
• Composite shingle roof

Homeowners Insurance Coverage Details

Unless otherwise specified, we used the following coverage limits to collect quotes for our comparison:

• $250,000 in dwelling coverage
• $125,000 in personal property coverage
• $200,000 in personal liability coverage
• $1,000 deductible

We also compiled data for policies with broader coverage to determine the best companies for insuring expensive homes, upping limits to $1 million in dwelling coverage, $500,000 in personal property coverage and $1 million in liability coverage.