{"id":1792,"date":"2020-08-07T08:55:26","date_gmt":"2020-08-07T15:55:26","guid":{"rendered":"https:\/\/www.insureone.com\/knowledge-center\/?p=1792"},"modified":"2025-05-19T13:03:02","modified_gmt":"2025-05-19T20:03:02","slug":"how-to-insure-jewelry","status":"publish","type":"post","link":"https:\/\/www.insureone.com\/knowledge-center\/uncategorized\/how-to-insure-jewelry\/","title":{"rendered":"How to Insure Jewelry: Your Questions Answered"},"content":{"rendered":"\n

Who doesn\u2019t love owning jewelry? Wearing it, passing valuable pieces down generations, and simply admiring it\u2014jewelry is a staple for many. But what are your options if it gets misplaced or stolen?<\/p>\n\n\n\n

If you keep your jewelry in your home, you are not required to have jewelry insurance. Ultimately, it\u2019s up to you to decide if you need it. However, if you have pieces that are expensive or have sentimental value, it\u2019s a good idea to get them insured.<\/p>\n\n\n\n

In this article, we\u2019ll talk about how to insure jewelry, including what you\u2019ll need to get and what it covers.<\/p>\n\n\n\n

Is it Worth it to Insure Jewelry?<\/h2>\n\n\n\n

This is the million-dollar question! The short answer is yes, it\u2019s worth it to insure your jewelry. Of course, it depends on what kind of pieces you own. If they are valuable and your home insurance doesn\u2019t provide enough coverage, you can get a separate policy.<\/p>\n\n\n\n

Suppose your jewelry collection is comprised of inexpensive pieces. In that case, it\u2019s probably not worth it to insure. Keep in mind that a claim for jewelry against your homeowners policy could make your premiums go up.<\/p>\n\n\n\n

What is the Best Way to Insure Jewelry?<\/h2>\n\n\n\n

The first step is to check your existing homeowners (or renters) insurance policy to see what current insurance you have on your jewelry. Generally, most plans cover a certain amount of what\u2019s called unscheduled personal property\u2014jewelry falls under this category. <\/p>\n\n\n\n

Find out how much your policy covers under unscheduled personal property. It could include anywhere from a few hundred dollars to $15,000. <\/p>\n\n\n

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The catch is that unscheduled personal property also includes computers, silverware, watches, and other jewelry pieces. So, if you need to file a claim for losses due to fire and other perils, your jewelry\u2019s worth probably won\u2019t be met by the insurance company. Be sure to read the fine print of your policy.<\/p>\n\n\n\n

If you\u2019re insuring an engagement, wedding, heirloom, or other rings, you must get a ring appraisal for insurance. This jewelry appraisal<\/a> is an official record for the insurance company indicating the value of your jewelry.<\/p>\n\n\n\n

Does Jewelry Insurance Cover Lost Jewelry?<\/h2>\n\n\n\n

Suppose you get a standalone jewelry insurance policy or diamond insurance along with your home insurance. In that case, it will likely cover lost, stolen, or damaged jewelry, including engagement rings.<\/p>\n\n\n\n

Where Can I Get Jewelry Insurance? <\/h2>\n\n\n\n

Are you looking for high-quality jewelry insurance<\/a> or engagement ring insurance that fits your needs and your budget? You\u2019re in the right place! Jewelry insurance provides peace of mind when your homeowners policy offers inadequate coverage. <\/p>\n\n\n\n

InsureOne can help you find the insurance you need. Get a free jewelry insurance quote online, over the phone, or at one of our offices near you.<\/p>\n\n\n\n

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Who doesn\u2019t love owning jewelry? Wearing it, passing valuable pieces down generations, and simply admiring it\u2014jewelry is a staple for many. But what are your options if it gets misplaced or stolen? If you keep your jewelry in your home, you are not required to have jewelry insurance. Ultimately, it\u2019s up to you to decide […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1792","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1792"}],"collection":[{"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=1792"}],"version-history":[{"count":7,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1792\/revisions"}],"predecessor-version":[{"id":4285,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1792\/revisions\/4285"}],"wp:attachment":[{"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=1792"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=1792"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insureone.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=1792"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}