08/25/2026
💍Just gifted jewelry, recently engaged, or newly married?💎
Don’t forget one important step: make sure your new jewelry is properly insured!
Most homeowners and renters policies include some coverage for jewelry, but there’s a catch. While your personal property limit may cover jewelry for losses like a fire or certain other covered events, policies commonly have a special limit of around $1,500 for theft of jewelry, watches, and precious or semi-precious stones. The exact limit varies by insurance company and policy.
For an engagement ring, wedding band, or other valuable piece, that may not come close to its actual value and a standard policy may not cover situations like mysterious disappearance or accidentally losing the ring.
✨ That’s where scheduling your jewelry comes in.
By adding valuable jewelry individually to your homeowners or renters policy, you can insure it for its appraised value and often receive broader protection, including risks that may not be covered by your standard personal property coverage.
So, if you recently said “Yes!” 💍, exchanged “I do’s” 💒, or received a special piece of jewelry 🎁, give your insurance agent a call. A few minutes now can help protect something you’d hate to lose later!
📞 Contact us to review your policy and make sure your jewelry has the protection it deserves.
