How to Insure Your Jewelry

Do I need to insure my jewelry or engagement ring?

Yes. If you don’t insure your engagement ring or jewelry by adding a rider to your property insurance or getting a standalone jewelry insurance policy, your valuable jewelry will likely only have limited coverage via your homeowners, renters, or condo insurance. Standard property insurance often has a sub-limit for jewelry, and coverage can be limited to certain types of losses. Adding a rider or getting a standalone policy can allow the full value of your piece to be covered for a variety of loss types.

Does homeowners insurance cover my jewelry?

Standard homeowners, renters, and condo insurance may cover your jewelry for certain losses up to a sub-limit. To make sure your engagement ring or other valuable jewelry is covered up to its appraised value, add a rider. This process typically requires providing a recent receipt or appraisal and

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