Jewelry Insurance Protects Your Jewelry

Jewelry is not just for getting dressed up—it is our connection to loved ones and special moments in our lives. The best way to protect those memories is by adding a jewelry endorsement to your homeowners, renters, or condo policy.

What does jewelry insurance cover? 

Jewelry insurance will help pay to repair or replace jewelry that has been damaged, lost, or stolen. Coverage provided by your homeowners insurance policy is different than coverage available with a jewelry endorsement in the limits of coverage as well as the types of claims covered. 


Why buy jewelry insurance?

While your homeowners policy provides some protection for your jewelry, if any piece is worth more than $1,000, you should consider adding additional coverage. 


Acuity’s Jewelry and Furs Enhanced Coverage offers a simple solution, because it provides a blanket limit and does not require detailed descriptions. This specialized Acuity coverage is a good option if none of the jewelry items are individually valued at more than $5,000. The maximum blanket coverage limit offered by Acuity is $25,000 per claim, subject to a $5,000 limit per piece. Jewelry and Furs Enhanced Coverage also broadens the types of claims covered to include theft, misplacement, and loss. 


Scheduled jewelry coverage:

If you own any individual jewelry items valued above $5,000, the best option is to list jewelry items on the Scheduled Personal Property Endorsement. To insure individual items exceeding $20,000, Acuity will typically request a jeweler’s appraisal. When jewelry is specifically scheduled, coverage is broadened to all perils.  


When insuring jewelry on a Scheduled Personal Property Endorsement, you can request coverage on an actual cash value basis or on an agreed value basis. 


With Actual Cash Value: 

You describe each item to be insured and its estimated value. In the event of a claim, Acuity pays up to the amount of insurance, but not more than the item’s actual cash value at the time of loss. 


With Agreed Value:

You describe each item to be insured and its estimated value. In the event of a claim involving total loss, Acuity pays the amount of insurance you and Acuity agreed upon when the insurance was purchased. 


Talk to your agent to find out which jewelry coverage option is right for you. Get a quote or find an agent


What types of jewelry are covered?

Jewelry insurance covers several types of jewelry, including: 

  • Engagement and wedding rings 

  • Earrings 

  • Heirloom jewelry 

  • Watches 


Do you need an appraisal to buy jewelry insurance?

It depends on the value. Acuity typically requires a jeweler’s appraisal for scheduled jewelry items over $20,000. 




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You might be surprised at the affordability. If you own a $10,000 ring, it can cost less than $70 to cover all perils with no deductible.

Jewelry insurance does not cover: 

  • Intentional loss 
  • Wear and tear 
  • Pests 
  • Preexisting damage

Your homeowners insurance policy provides some coverage. You may want to purchase a jewelry endorsement to specifically insure the ring.

Your homeowners or renters insurance policy provides some coverage, but you may want to purchase a jewelry endorsement to specifically insure the ring.