Jewelry Insurance
A standard homeowner’s insurance policy may not provide adequate coverage like the full replacement value of your jewelry. Even a jewelry-specific rider added to your homeowners policy has its limits. Jewelry insurance can cover engagement rings, watches, earrings, and even loose stones while being set.
With fluctuating market costs of gold, silver and platinum, your jewelry may be underinsured, you should reappraise every two to four years to ensure that your coverage is adequate and their fair market value is reflected when you need to file a claim.