Why Insuring Jewelry Matters
Jewelry often carries both financial and sentimental value. Unfortunately, it’s also one of the most common items stolen or lost. Standard homeowners or renters insurance policies provide some coverage, but limits for jewelry are often capped—sometimes as low as $1,500 for theft. That’s why dedicated jewelry coverage is worth considering.
How Jewelry Insurance Works
Jewelry can be covered in two main ways:
- Through Your Homeowners or Renters Policy – Includes limited protection for theft, loss, or damage, subject to your policy’s limits and deductible.
- With a Scheduled Personal Property Endorsement – Also known as “itemizing” or “scheduling,” this adds specific high-value pieces to your policy with their own coverage limits.
What Jewelry Insurance Typically Covers
- Theft
- Accidental loss (such as a ring slipping off)
- Damage from fire or certain natural disasters
- Some policies even cover “mysterious disappearance”
How to Insure Your Jewelry in North Carolina
- Get an Appraisal – Professional documentation of your jewelry’s value ensures accurate coverage.
- Review Your Current Coverage – See if your homeowners or renters policy is enough.
- Consider Scheduling Items – This provides broader protection and often no deductible for that item.
- Update Regularly – Market prices for gold, diamonds, and precious stones change, so reappraise every few years.
Tips for Protecting Your Jewelry
- Store high-value pieces in a safe when not in use.
- Keep digital and paper copies of receipts and appraisals.
- Take detailed photographs for your records.
How Sizemore Insurance Can Help
At Sizemore Insurance, we’ll:
- Review your existing policy’s jewelry limits
- Recommend whether scheduling is right for you
- Shop top-rated carriers for the best rates and coverage
- Make sure your jewelry is protected no matter where life takes you
Whether it’s a family heirloom, engagement ring, or collectible watch, we’ll help you protect what matters most.
Get Your Jewelry Covered Today
Don’t wait until it’s too late. Start your quote online in minutes or call (910) 791-1011 to speak with a Sizemore Insurance advisor.