Jewelry & Valuables Insurance
Protect the pieces that tell your story.
An engagement ring, a luxury watch, grandma's heirloom necklace — standard homeowners policies cap jewelry losses at a set limit, often far below what these pieces are worth. Scheduled valuables coverage protects the full appraised value against loss, theft, damage, and mysterious disappearance.
What's Covered
What jewelry insurance can include
Every policy is tailored — these are the building blocks we'll mix and match for you.
Worldwide All-Risk
Covered anywhere on earth, for nearly any cause of loss — including simply losing it.
Agreed Value
Insured to full appraised value with no depreciation games at claim time.
Mysterious Disappearance
The stone fell out somewhere, sometime? Still covered — unlike most homeowners policies.
Newly Acquired Items
Automatic short-term coverage for new purchases until you add them to the schedule.
Quote your jewelry coverage
Two minutes now, a licensed California agent on it within one business day.
Good to Know
Jewelry insurance questions, answered
Why isn't my homeowners policy enough for jewelry?
Homeowners policies typically limit jewelry theft losses to $1,000–$2,500 total and exclude common claims like losing a stone. Scheduling restores full value with a $0 deductible option.
Do I need an appraisal?
Items above roughly $5,000 generally need a recent appraisal; below that a detailed receipt usually works. We'll tell you exactly what your carrier requires.
How much does jewelry insurance cost?
Typically $1–$2 per $100 of value annually — about $100–$200/year for a $10,000 ring.
More Personal Insurance
Let's get your jewelry coverage right.
One conversation with an independent agent beats hours of online forms. We'll compare the market and explain your options in plain English.