At Brock-Norton Insurance, we understand that your jewelry isn’t just valuable — it’s sentimental. Whether it’s an engagement ring, family heirloom, luxury watch, or favorite everyday pieces, protecting these valuables should be part of your overall insurance plan.
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Jewelry Coverage Basics
Standard homeowners and renters insurance policies provide some coverage for jewelry as part of your personal property protection. That means if your jewelry is stolen, damaged in a fire, or lost in another covered peril, your policy will typically reimburse you — but only up to a certain limited amount. However, most policies place sublimits on jewelry (often around $1,000–$2,500 total) that may not be enough to cover the full value of high-end pieces or cherished heirlooms. |
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Why You Might Need More Than Basic Coverage
Here are common situations where additional protection is recommended:
Here are common situations where additional protection is recommended:
- High-value pieces — Engagement rings, designer watches, or diamond jewelry often exceed standard policy limits.
- Accidental loss — Dropping a ring, losing an earring, or misplacing jewelry is typically not covered by basic home or renters policies.
- Worldwide protection — Standard policies may limit certain coverages; scheduled jewelry coverage often extends protection no matter where you travel with your items.
- Deductible concerns — Scheduled coverage can offer options with no deductible on claims for these items.
Jewelry Insurance Options We Offer
(ASK JIMMY ABOUT THIS)
(ASK JIMMY ABOUT THIS)
What’s Covered vs. What’s Not
Covered (with proper scheduling or floater):
Covered (with proper scheduling or floater):
- Loss due to theft or burglary
- Fire and smoke damage
- Accidental damage (depending on policy choices)
- Loss while traveling (depending on coverage)
- Misplacement without evidence of theft under a standard policy
- Wear & tear or damage from normal use
- Losses from excluded perils like floods or earthquakes unless separately insured