Protect engagement rings, heirlooms, art, and collectibles — beyond what homeowners insurance covers.
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Most homeowners and renters policies cap jewelry theft coverage at around $1,500 — and they typically don't cover simply losing a piece: a stone falling from its setting, a ring left at a hotel sink, a watch that vanishes on a trip. Scheduled jewelry and valuables coverage insures each piece at its appraised value, closing the gap for the items that matter most.
A scheduled valuables policy is built for the risks jewelry actually faces:
The same scheduled coverage approach protects other hard-to-replace valuables — fine watches, artwork, coin and stamp collections, sports memorabilia, musical instruments, and family heirlooms. Each item is insured at a documented value, so there's no negotiating with an adjuster after a loss. If you've had a piece appraised, you're halfway to protecting it.
Bring us a recent appraisal or purchase receipt for each piece you'd like to schedule, and we'll compare options — whether that's adding a rider to your homeowners policy or writing a standalone valuables policy with broader protection and no impact on your home insurance claims history.
