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Your jewelry may be priceless to you, but an insurer can put a price on it to help you repair or replace it if something happens. But what type of insurance you need depends on how valuable your jewelry is and how thoroughly you want it covered.
If your jewelry is stolen from your home, lost while hiking or damaged while working, you’ll be covered for its value. Valuable personal property insurance covers:
With personal property (PP) insurance, you aren’t required to describe your items or disclose their value. However, there’s generally a relatively reimbursement limit for jewelry, and you may not be covered for jewelry that’s damaged outside or accidentally lost.
For example, if your personal property insurance has a $5,000 limit on jewelry and your $10,000 ring is stolen, you’ll only be able to recoup half the cost, minus any deductible. And if the ring loses a stone while you’re out hiking, you may not be covered at all.
Valuable personal property (VPP) insurance covers the full appraised value of your ring and can cover to have it repaired or replaced without a deductible.
Some homeowners insurance policies allow you to add on a blanket jewelry insurance policy, which offers a minimal amount of coverage for any jewelry in the home that may be higher than what’s offered with a typical PPI policy.
For example, USAA’s blanket jewelry policy covers up to $2,500 for any piece of jewelry and up to $10,000 total. It can be an inexpensive way to add on some jewelry coverage, but it’s often not enough for expensive items.
There is no set price for how much it’ll cost to insure your jewelry. Your premiums will be based on:
To make sure you end up with the right coverage:
Start by getting your jewelry appraised and checking the limits and exclusions in your homeowners insurance policy. If your current coverage is too limited, talk with your insurer about adding on valuable personal property coverage for your jewelry. And if you don’t have a homeowners insurance policy yet, compare home insurers to find one that fits your needs.
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