Engagement rings, watches, and valuables
Jewelry insurance for engagement rings, watches, and heirlooms
Some things are hard to replace. Jewelry insurance helps protect engagement rings, wedding bands, watches, and family pieces if they are lost, stolen, or damaged. Kaufman Insurance Group compares options and explains how each one works in plain language.
- Options on your home policy or as a separate policy
- Coverage that may include loss, not just theft
- Help deciding how to value your pieces
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare jewelry and valuables insurance from the companies we work with. The companies that can quote you depend on what you want to insure, where you live, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What jewelry insurance is
Jewelry insurance is coverage for rings, necklaces, watches, and other valuable pieces. It helps pay to repair or replace an item if it is stolen, damaged, or, with many policies, simply lost.
Most homeowners and renters policies include some coverage for jewelry, but it is usually limited. Policies often cap how much they will pay for jewelry theft, and they may not cover losing a ring down a drain or a stone falling out of its setting. Your home deductible may also apply.
There are two common ways to get fuller protection. You can add your pieces to your home or renters policy as scheduled items, which means each item is listed with its value. Or you can buy a separate jewelry policy. We can compare both and help you decide.
Scheduled on your home policy
Each piece is listed on your homeowners or renters policy with its own value and coverage.
A separate jewelry policy
A standalone policy just for jewelry, kept apart from your home insurance.
Know what you are choosing
What jewelry coverage typically includes
Coverage depends on the company and how the piece is insured. These are features to compare.
Theft
Helps if your jewelry is stolen from your home, your car, or while you travel.
Accidental loss
Many scheduled or standalone policies cover a piece that is simply lost, which basic home coverage often does not.
Damage
Helps repair a piece that is damaged, such as a bent prong or a chipped stone, depending on the policy.
Coverage away from home
Coverage that follows the piece when you wear it or travel with it, according to the policy terms.
Repair or replacement
Policies explain how a claim is settled, such as repair, replacement with a similar piece, or payment.
Deductible options
Some policies offer low or no deductible options on scheduled pieces. Terms vary by company.
Is it right for you
Who needs jewelry insurance
If losing a piece would be a real financial or emotional hit, it is worth checking how it is covered today.
Newly engaged couples
An engagement ring is often one of the most valuable things a person wears every day.
Watch owners
Fine watches can be worth more than home policy limits allow for theft.
People with family heirlooms
Inherited pieces may be worth more than you think. An appraisal can help set the right value.
Frequent travelers
You wear your jewelry on trips and want coverage that follows you.
Just got engaged or received a valuable gift? An agent can help you protect it.
How Kaufman helps
How we help you protect your jewelry
We can review your current home or renters policy, show you its limits for jewelry, and compare ways to add fuller coverage.
List your pieces
Tell us what you want to cover. A recent appraisal or receipt for each piece helps.
We compare options
An agent compares scheduling on your home policy with standalone jewelry options from the companies we work with.
Choose your coverage
Pick the option that fits. We recommend updating appraisals from time to time so your coverage keeps pace with value.
We focus on Ohio and North Carolina, and we can also help customers in most other states. Keep photos and appraisals of your pieces in a safe place, such as cloud storage, so they are easy to find if you ever need to file a claim.
Common questions
Jewelry insurance questions
Does homeowners insurance cover my engagement ring?
Usually only to a limited amount, and often only for certain causes such as theft. Losing a ring or having a stone fall out may not be covered. Scheduling the ring or buying a separate jewelry policy can give fuller protection.
What does it mean to schedule jewelry?
Scheduling means listing a specific piece on your home or renters policy with its own value. Scheduled pieces often get broader coverage than general belongings.
Do I need an appraisal?
Many companies ask for an appraisal or a recent receipt, especially for higher value pieces. It helps set the right value and speeds up claims.
Is a separate jewelry policy better than adding it to my home policy?
It depends. A separate policy keeps jewelry claims apart from your home policy, while scheduling keeps everything in one place. We can compare both for your pieces.
Can I insure other valuables, too?
Often, yes. Many companies can cover items such as watches, art, collectibles, and musical instruments in a similar way. Ask us about your items.
Related coverage
Coverage that pairs well with jewelry insurance
Homeowners insurance
Protection for your house and belongings, where jewelry can be scheduled.
Explore homeowners insuranceHome and auto bundles
Coordinate home, auto, and valuables coverage with one agent.
Explore bundlesPersonal umbrella insurance
Extra liability protection above your home and auto policies.
Explore umbrella insurancePersonal insurance hub
See every type of personal coverage we can help you with, from your home and cars to your toys and valuables.
Explore personal lines insuranceReady to protect your jewelry?
Start a jewelry insurance quote online, or contact us with questions. An agent will help you compare your options.
Prefer to talk? Call (330) 486-8404.