09/22/2026
💍 Is your jewelry actually fully covered by your homeowners insurance?
It’s Insurance Tips on Tuesday!
Many homeowners assume their jewelry, watches, fine art, collectibles, and other valuables are fully covered under their homeowners policy.
But that may not be the case.
Homeowners policies can have special coverage limits for certain valuables, particularly when it comes to theft. And depending on your policy, losing or misplacing an item may not be covered at all.
That’s where scheduling your jewelry and valuables can make a big difference.
By adding valuable items individually to your homeowners policy, you can often insure them for their appraised or agreed value and get broader protection for things like:
💍 Engagement rings & jewelry
⌚ Watches
🎨 Fine art
🪙 Coins & collectibles
🎸 Other high-value personal property
An appraisal may be required depending on the item and its value.
The important part? Don’t wait until something is lost, stolen, or damaged to find out how much coverage you actually have.
If you have jewelry, fine art, watches, or collectibles and aren't sure how they're insured, we’re happy to review your homeowners policy.
📞 908-476-8685
🌐 OIAnow.com
— Your Indie Agent, Adam
