Your homeowners policy caps jewelry claims at $1,000–$2,500. If your engagement ring, watch collection, or fine art is worth more than that — you need scheduled personal property coverage.
Scheduled personal property insurance (also called a floater or rider) provides full replacement value coverage for your most valuable items.
Covers engagement rings, wedding bands, luxury watches, and fine jewelry at appraised value.
Covers paintings, sculptures, antiques, and other collectible items.
Covers high-value instruments whether at home, in transit, or at performances.
Covers gun collections beyond your homeowners policy's standard limits.
Covers curated wine cellars and rare spirit collections.
Covers signed items, trading cards, and sports collectibles at appraised value.
If you own any single item worth more than your homeowners policy's special limits (usually $1,000–$2,500 for jewelry), you need scheduled coverage.
Roughly 1–2% of the appraised value per year. A $10,000 ring costs about $100–$200/year to insure.
Yes. Most carriers require a professional appraisal for items over $5,000. We can recommend trusted local appraisers.
Scheduled personal property coverage covers mysterious disappearance — unlike your homeowners policy, which requires proof of theft.
Yes, as a scheduled rider (endorsement). Some carriers also offer standalone valuables policies. We'll find the most cost-effective option.
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