{"id":8529,"date":"2022-02-11T15:51:43","date_gmt":"2022-02-11T21:51:43","guid":{"rendered":"https:\/\/www.guaranteedrateinsurance.com\/?p=8529"},"modified":"2025-08-06T13:19:20","modified_gmt":"2025-08-06T18:19:20","slug":"everything-you-need-to-know-about-jewelry-insurance","status":"publish","type":"post","link":"https:\/\/www.rate.com\/insurance\/resources\/everything-you-need-to-know-about-jewelry-insurance\/","title":{"rendered":"Everything You Need to Know About Jewelry Insurance"},"content":{"rendered":"    <div class=\"entry-summary\">\n        <h2>Summary<\/h2>\n        <div class=\"entry-summary-content\">\n            <p>Jewelry has sentimental and monetary value, and it\u2019s at risk for loss and theft. Your <a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/home-insurance\/\">homeowners <\/a>or <a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/renters-insurance\/\">renters policy<\/a> is there to protect your belongings. However, not every homeowners or renters policy fully covers jewelry.<\/p>\n<ul>\n<li>Know the difference between \u201cactual cash value\u201d and \u201creplacement cost\u201d and which your policy covers<\/li>\n<li>Because jewelry items are typically small pieces that are worn, a lot can happen. Insurance protects you from loss, damage and disappearance<\/li>\n<\/ul>\n        <\/div>\n    <\/div>\n\n\n\n<p>Whether you have an heirloom necklace or just received a new watch, jewelry can carry both financial and sentimental value.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Are you wondering <a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/jewelry-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">how to insure jewelry<\/a> or how much jewelry insurance costs? You might be surprised how many factors there are to consider.&nbsp;&nbsp;<\/p>\n\n\n\t<div class=\"block-cta-blog my-4 \">\n\t\t<div class=\"cta-blog_copy\">\n\t\t\t<p>See how to save on insurance<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/my.jewelersmutual.com\/jewelry-insurance-quote-apply\/Partner?partnerName=GuaranteedRate&#038;utm_source=blog&#038;utm_medium=browser&#038;utm_campaign=blog&#038;utm_content=cta\" class=\"btn btn-sm btn-primary\"  target=\"_blank\">Get my quote<\/a>\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n<h2 class=\"wp-block-heading\">Does your homeowners or renters insurance policy cover jewelry?&nbsp;<\/h2>\n\n\n\n<p>Jewelry owners commonly <a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/resources\/does-homeowners-insurance-cover-jewelry\/\" target=\"_blank\" rel=\"noreferrer noopener\">assume that their jewelry coverage falls under a homeowners policy<\/a> or renters policy.&nbsp;<\/p>\n\n\n\n<p>People can wear jewelry, so it&#8217;s often small and portable. This can make it a target for thieves. In reviewing your homeowners insurance policy, you probably noticed that one of the covered perils is theft.&nbsp;<\/p>\n\n\n\n<p>Does this mean that all of your jewelry gets coverage automatically?&nbsp;The answer is\u2026 it depends.<\/p>\n\n\n\n<p>Yes, it&#8217;s likely that your jewelry has some theft coverage. However, insurance policies often have limits on what types of losses receive coverage and for how much. Given these limits, if something happens to your jewelry, you might not get full coverage by your existing policies.<\/p>\n\n\n\n<p>Keep in mind that some policies specifically exclude jewelry altogether. Even a few missing pieces can add up quickly because jewelry can so easily be lost or stolen..&nbsp;<\/p>\n\n\n\n<p>To make certain that you are covered if an expensive piece is lost or stolen, you\u2019ll want to add it as a rider to your homeowners insurance or renters insurance policy.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How does jewelry insurance work?&nbsp;<\/h2>\n\n\n\n<p>Let\u2019s define some important terms that will help you understand the ins and outs of<a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/jewelry-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"> jewelry insurance<\/a> and find the right policy to cover your valuables.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Policy schedule<\/h3>\n\n\n\n<p>A policy schedule is essentially a list. When you add jewelry to your policy, you might be asked to list the pieces you want covered. It\u2019s important to make sure that you include everything. Items that are not listed might not get coverage if something happens to them.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Personal article floater<\/h3>\n\n\n\n<p>When you purchase additional insurance to cover high value items such as jewelry, that coverage is known as a \u201crider\u201d or \u201cfloater.\u201d Make sure that you understand what is being covered. Some insurers offer floaters to cover just one high-value item, such as an engagement ring. If you have other expensive pieces, you might need additional riders to cover those items too.<\/p>\n\n\n\n<p>Sometimes floaters or riders will cover a single group of things, like a gun collection. In this situation, you might need separate riders to cover your jewelry, your gun collection and so on.&nbsp;&nbsp;<\/p>\n\n\n\n<p>For expensive jewelry items, your insurer may require you to get an independent appraisal. This process is to verify the value of the pieces you are insuring.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Talk to your agent and explain exactly what you own to determine what type of policy riders you will need.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Actual cash value vs. replacement cost<\/h3>\n\n\n\n<p>These are important terms to understand when it comes to insurance in general, and they are particularly important when it comes to jewelry. People often think that jewelry always appreciates and that the value of their pieces will go up.&nbsp;<\/p>\n\n\n\n<p>This is not accurate. While some classic pieces from well-known brands can hold their value quite well, trendy pieces and precious metals can go up or down in value.&nbsp;<\/p>\n\n\n\n<p><em>\u201c<\/em>Actual cash value\u201d means that if your jewelry item is lost or stolen, your insurance policy will reimburse you for what you paid for the piece minus depreciation. This will be less than it cost to purchase the item.&nbsp;<\/p>\n\n\n\n<p><em>\u201c<\/em>Replacement cost\u201d means that if the piece is lost or stolen, your policy will pay the amount that it would cost to replace the piece.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does jewelry insurance cover?&nbsp;<\/h2>\n\n\n\n<p>Jewelry insurance is designed to cover pieces that would be expensive to replace if lost or stolen, with a value that is higher than the limits set in a standard homeowners or renters insurance policy. Valuable personal property floaters or jewelry riders also frequently offer additional coverage beyond theft.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Loss&nbsp;<\/h3>\n\n\n\n<p>Jewelry can be easily lost. For example, a stone comes loose from its setting and you don\u2019t know where it fell out.<a href=\"https:\/\/abcnews.go.com\/Lifestyle\/missouri-couple-shocked-trash-company-finds-lost-400000\/story?id=37690676\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<p>What if you take off a <a href=\"https:\/\/abcnews.go.com\/Lifestyle\/missouri-couple-shocked-trash-company-finds-lost-400000\/story?id=37690676\" target=\"_blank\" rel=\"noreferrer noopener\">12.5 carat, $400,000 ring<\/a>, set it on a paper towel while you do the dishes and accidentally throw the paper towel in the trash? Perhaps an earring comes off, and you watch as it goes straight down the sink drain. Most jewelry insurance policies will cover loss of the item in these scenarios.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mysterious disappearance&nbsp;<\/h3>\n\n\n\n<p>Despite sounding vaguely like a detective novel, \u201cmysterious disappearance\u201d coverage makes a lot of sense when it comes to jewelry.&nbsp;Given that jewelry is often small, it can be impossible to determine if the item was lost or stolen.&nbsp;<\/p>\n\n\n\n<p>Jewelry insurance policies will frequently offer mysterious disappearance as a covered loss. This is coverage that your standard homeowners insurance policy or renters policy will not cover.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Damage&nbsp;<\/h3>\n\n\n\n<p>Normal wear and tear is generally not covered, but damage is covered on most policies. If your covered jewelry gets damaged, a good jewelry insurance policy will typically pay for repairs.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to get your jewelry appraised<\/h2>\n\n\n\n<p>Although some insurers will accept a receipt of purchase instead of an appraisal, there\u2019s usually a time limit. That\u2019s because jewelry can fluctuate in value over time. So if the item you are insuring is a recent purchase, ask your agent if a receipt will suffice. Your insurer may or may not require an appraisal.&nbsp;<\/p>\n\n\n\n<p>If your insurer does require an appraisal, you will need to find an experienced appraiser. A legitimate appraisal will happen in person; no one can assess the value of a piece without examining it closely.&nbsp;<\/p>\n\n\n\n<p>Ask friends and family for recommendations. You can also contact a jewelry store and ask if they have an appraiser on staff or if they have an appraiser that they typically work with.<\/p>\n\n\n\n<p>There are several national appraising associations that provide training. You\u2019ll want to seek out a certified appraiser or a member of one of the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.appraisers.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">The American Society of Appraisers<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.isa-appraisers.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">The International Society of Appraisers<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/najaappraisers.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">The National Association of Jewelry Appraisers<\/a><\/li>\n<\/ul>\n\n\n\n<p>You should expect to pay for an appraisal, but pricing varies. Some appraisers charge by the piece. While others may assess several pieces and charge a percentage of the appraised value as a fee. Ask before the appraiser starts to understand the cost.&nbsp;<\/p>\n\n\n\n<p>For each piece appraised, you should receive a document that details what characteristics of your piece were evaluated to determine its worth. For a diamond engagement ring, the appraiser should evaluate the style and metal of the setting, along with \u201cthe four Cs\u201d:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cut<\/li>\n\n\n\n<li>Color<\/li>\n\n\n\n<li>Clarity<\/li>\n\n\n\n<li>Carat weight<\/li>\n<\/ul>\n\n\n\n<p>You should take gemstones to a certified gemologist, who will assess similar characteristics, such as grades or the presence of inclusions.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When is a piece of jewelry covered?&nbsp;<\/h2>\n\n\n\n<p>This question arises often around the holidays due to the nature of gift-giving. Buying an engagement ring or expensive necklace as a gift means that the gift-giver will have possession of the piece for a period of time before it is presented, at which point the gift-receiver takes possession.&nbsp;&nbsp;<\/p>\n\n\n\n<p>As previously mentioned, your homeowners insurance or renters insurance does not automatically cover expensive pieces. If you have purchased an expensive piece of jewelry or a high-end watch to give as a gift, you might wish to contact your insurance agent to discuss coverage during the interim period before you give the gift to the recipient.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When you give jewelry as a gift, who buys the insurance?&nbsp;<\/h2>\n\n\n\n<p>Answers to these questions may depend on factors such as whether you are living in the same household \u2014 and how your homeowners or renters policy is structured. If you are living together and have a renters policy with both names on the policy (one as the policyholder and the other as a named insured), you\u2019ll want to call your insurer and ask about adding a rider to the policy you share.&nbsp;<\/p>\n\n\n\n<p>If you live in separate dwellings, the person who received the jewelry as a gift will need to add it to their policy. Essentially, the jewelry will need to be added to the policy that covers the place where it is kept.&nbsp;<\/p>\n\n\n\t<div class=\"block-cta-blog my-4 \">\n\t\t<div class=\"cta-blog_copy\">\n\t\t\t<p>Start saving on insurance<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/my.jewelersmutual.com\/jewelry-insurance-quote-apply\/Partner?partnerName=GuaranteedRate&#038;utm_source=blog&#038;utm_medium=browser&#038;utm_campaign=blog&#038;utm_content=cta\" class=\"btn btn-sm btn-primary\"  target=\"_blank\">Apply now<\/a>\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n<h2 class=\"wp-block-heading\">How can I get insurance coverage for my jewelry?<\/h2>\n\n\n\n<p>Whether your jewelry includes a single engagement ring or a collection of heirloom pieces, you&#8217;ll want to protect it. There are a wide range of jewelry policy options available.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Depending on the value of the items you wish to cover, you may need to pay to have the piece or pieces appraised. With so many additional situations covered, jewelry insurance is well worth the effort to get an appraisal done.&nbsp;<\/p>\n\n\n\n<p>Protecting your jewelry pieces with insurance will give you peace of mind. Start the process by talking to your agent or <a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/contact-us\/\" target=\"_blank\" rel=\"noreferrer noopener\">connecting with an expert <\/a>today!<\/p>\n\n\n\n<p>Disclaimer:&nbsp;<\/p>\n\n\n\n<p><em>All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Rate Insurance does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Rate Insurance. Rate Insurance does not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you have a string of pearls that has been handed down through your family over generations or you\u2019ve just received a new watch as a gift, you know that jewelry can carry both financial and sentimental value.\u00a0If you are wondering how to insure jewelry or how much jewelry insurance costs, you might be surprised how many factors there are to consider.\u00a0\u00a0<\/p>\n","protected":false},"author":20,"featured_media":11008,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[72,47],"class_list":["post-8529","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-specialty","tag-jewelry-insurance","tag-specialty-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Everything You Need to Know About Jewelry Insurance | Rate.com<\/title>\n<meta name=\"description\" content=\"From family heirlooms to gifts that sparkle, insuring your jewelry can give you peace of mind and protect your treasures for years to come.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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