Jewelry Insurance

Does Homeowners Insurance Cover Lost Jewelry?

Dustin Lemick


Dustin Lemick

Homeowners insurance usually includes coverage for lost jewelry, but there’s often a limit on the value covered unless the jewelry is specifically listed and valued in the policy.

Homeowners’ insurance companies offer a range of coverage policies tailored to meet their clients’ needs. Some homeowners’ insurance policies also cover jewelry as part of their policies, which means that if your jewelry is lost or stolen, the insurance company will reimburse its replacement value up to a specific limit. 

Homeowners’ insurance policies include specific conditions and limitations for filing a claim on missing jewelry. Knowing these details can help you avoid an unpleasant surprise if an incident occurs. 

Learn if homeowners’ insurance covers lost jewelry and why a dedicated jewelry insurance policy from BriteCo™ may provide better coverage.

What You Will Learn

Does Homeowners Insurance Cover Lost Jewelry?

Homeowners’ insurance policies typically cover jewelry under personal property, but coverage depends on the type of policy and the perils it covers. Standard homeowners’ insurance covers theft, fire, vandalism, and natural disaster damages for jewelry items listed on the policy. 

However, homeowners insurance jewelry coverage is more likely to be denied in cases such as loss by negligence or intentional acts. Read through all exclusions in your insurance policy or speak to your insurance agent so you understand when your jewelry is fully covered.

How Much Coverage Does a Homeowners’ Insurance Policy Provide for Lost Jewelry?

Homeowners’ insurance may help cover the cost of replacing or repairing your jewelry up to a certain limit. Maximum reimbursements for a single piece of stolen jewelry can be as high as $1,000 to $2,000 per piece. 

Maximum reimbursements for a single piece of stolen jewelry can be as high as $1,000 to $2,000 per piece.

One critical limit to homeowners’ insurance coverage for jewelry is theft. Jewelry can be easily stolen. The standard homeowners’ policy has a $1,500 limit for theft claims to keep coverage affordable. 

Raising the limit on liability can be a cost-efficient option to increase coverage and protect your valuable jewelry. However, there may be a limit on the amount you can claim for losing any individual piece, say $2,000 when the overall limit is $5,000.

Purchasing floater policies for individual items offers broader protection and covers losses of any type, including accidental losses that homeowners’ insurance would not cover. Before purchasing a floater, the jewelry covered must also be professionally appraised

However, these policies come with higher premiums because of their additional coverage.


Does Renters Insurance Cover Jewelry?

Renter’s insurance policies typically cover jewelry, but the coverage resembles homeowners’ insurance for jewelry. Your renter’s insurance will likely only cover pieces damaged or lost due to theft, vandalism, fire, or natural disaster. 

Additionally, if your jewelry is worth more than the standard $1,500 in coverage, you’ll need to purchase a rider or endorsement for your policy to receive compensation for the full value of your items.

What Happens When I Make a Claim On My Homeowners Insurance?

When making a claim on your homeowners’ insurance, the general claims process involves: 

  • Contacting your insurer 
  • Providing details about the incident 
  • Submitting proof of damage/loss and receipts for any related expenses
  • Waiting for the insurer to evaluate your claim 

The process can be complicated since you need to provide accurate information and documentation. Because homeowners’ insurance companies typically handle property damage claims such as torn roofs or siding, they may not have a streamlined process for handling jewelry-specific claims. This may extend the time it takes to file and receive a payout for your lost pieces. 

Making a jewelry loss claim on your homeowners’ policy may affect the entire policy’s status. Depending on the situation and coverage limits, claiming jewelry losses may lead to an increase in premiums or even the cancelation of your policy.

Money and jewelry in an open safe

Do I Need Dedicated Jewelry Insurance?

Separate jewelry insurance is the preferred method for protecting your valuable items. When you insure your jewelry through a dedicated insurer like BriteCo you gain jewelry-specific coverage that offers better protection than adding a rider to your homeowners’ policy. 

For example, BriteCo jewelry insurance plans cover up to 125% of your piece’s appraised value and don’t require a deductible before receiving your replacement or claim payout. 

With a dedicated insurer, your policy includes coverage for damage, loss, theft, or disappearance due to mysterious circumstances. That means you never have to worry if your valuable pieces, like an engagement ring or family heirloom, are protected. 

BriteCo also provides appraisal services and an easy onboarding process that lets you get covered in minutes.

Choose BriteCo™ to Protect Your Valuable Jewelry

Today’s jewelry comes with a hefty price tag, making it a valuable asset that deserves to be protected. BriteCo provides the peace of mind needed while insuring jewelry by offering worldwide coverage, zero deductibles, 125% replacement value, and affordable monthly premiums. 

Get a quote today for your valuable pieces from BriteCo. It only takes about five minutes and can save you money and stress if you lose an important piece of jewelry.

Also Check:

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Take the Quiz to Learn How Much It Really Costs to Buy Your Perfect Diamond Engagement Ring

To promote the availability of a quiz on the topic of the cost of diamond engagement rings and encourage users to take it.

take the quiz

  • BriteCo has created a quiz to help users determine the cost of their dream diamond engagement ring
  • The quiz takes into account factors such as the type of diamond, setting, and band to give a more accurate estimate
  • Taking the quiz is quick and easy

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Dustin Lemick


Dustin Lemick

Dustin Lemick is the Founder and CEO of BriteCo and a third-generation jeweler with over thirteen years of retail jewelry experience. He holds a Graduate Gemologist degree from the Gemological Institute of America (GIA) and has in-depth knowledge and expertise in appraisal systems, diamond and gemstone markets, retail pricing models, insurance replacement models, and jewelry quotation pricing systems.