Vehicles & Lifestyle
Jewelry & Valuable Articles Insurance
Scheduled article floaters for watches, jewelry, and collectibles.
Overview
What to know about jewelry coverage.
A standard homeowners policy caps jewelry coverage, often at $1,000–$2,500 for theft. A personal articles floater (or “scheduled” coverage) values each item, eliminates the deductible for many losses, and covers mysterious disappearance.
What's typically covered
- Scheduled items at agreed value
- Worldwide coverage
- Mysterious disappearance (lost without a known cause)
- Often no deductible on scheduled items
Things to consider
- Appraisals are typically required for items over a certain value
- Rings tend to see the most claims, so schedule them first
- Receipts and photos speed up claim resolution
Ready to talk about jewelry?
Tell us what you're protecting and we'll shop it across carriers. No obligation, no hard sell.
