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Protect What Matters Most
Many homeowners and renters policies limit theft of jewelry, watches and similar valuables to a small amount, often $1,500 or less. Scheduling your valuables gives each piece its own coverage at its appraised value.
Options for Every Collection
We cover single pieces like an engagement ring as well as full collections of jewelry, watches, silver and collectibles.
Real People, Real Help
Our licensed agents help you understand appraisals and options and find coverage that fits your valuables and budget.
What Valuables Insurance Covers
Coverage for your jewelry, watches and treasured items.
✓ Theft
Covers stolen pieces at home or away.
✓ Loss
Options that include mysterious disappearance.
✓ Accidental Damage
A lost stone, a broken clasp or a crushed ring.
✓ Agreed Value
Coverage based on your appraisal.
✓ Worldwide Coverage
Your pieces are protected when you travel.
✓ Low Deductibles
Options with little or nothing out of pocket.
How We Quote Your Valuables Insurance
We take a consultative approach with every valuables policy and every company we quote.
01
Find the right company
First, we compare the insurance companies we work with to find the best fit for your pieces, your appraisals and your budget.
02
Advise you on coverage
Next, we walk you through scheduled coverage, blanket coverage, appraisal requirements and deductible options, and explain what each one does in plain English.
03
You choose what goes on the policy
We only apply the coverages you want, after we have advised you. No pressure, and nothing added that you did not ask for.
SPECIALTY INSURANCE COMPANIES WE WORK WITH
Jewelry & Valuables Insurance FAQs
Straight answers to the questions collectors ask us most.
Does homeowners insurance cover my engagement ring?
Only up to a limit. Many policies cap jewelry theft at a small amount. Scheduling the ring covers its appraised value, and many policies also cover loss.
Do I need an appraisal?
For higher value pieces, usually yes. A recent appraisal or sales receipt helps set the right coverage amount.
What else can I schedule?
Watches, furs, silverware, collectibles, musical instruments, cameras and other valuable items, depending on the insurance company.
