What Is It?
Understanding Jewelry & Valuables Insurance
Jewelry and valuables insurance provides specialized coverage for engagement rings, fine jewelry, watches, furs, silverware, and other high-value personal property. Standard homeowners policies have strict sublimits for jewelry — typically $1,000-$2,500 — and often exclude mysterious disappearance and accidental loss, the most common ways jewelry is lost.
Who Needs It?
Is This Right for Me?
Anyone with jewelry, watches, furs, or collectibles worth more than their homeowners policy’s special limits needs a scheduled personal property floater or dedicated valuables policy. This is especially important for engagement rings and wedding sets, family heirlooms, and inherited jewelry.
What’s Covered
What Does Jewelry & Valuables Insurance Cover?
Pays the full appraised value with no depreciation — you know exactly what you’ll receive.
Covers items that go missing without any explanation — often the most common way jewelry is lost.
Covers accidentally dropping a stone, losing an earring, or other accidental damage.
Your jewelry is covered whether you’re at home, traveling, or anywhere in the world.
Automatic coverage for new jewelry purchases for a short period — giving you time to schedule them.
Many jewelry policies offer zero-deductible options so you receive the full value at claim time.
Where We Work
Licensed in Georgia, Alabama, Tennessee, North Carolina, South Carolina, Virginia & Arkansas & Nationwide
TWFG Insurance Branch 342 serves clients across the Southeast and beyond. We shop 50+ carriers to find the right coverage wherever you live.
Common Questions
Jewelry & Valuables Insurance FAQs
Do I need an appraisal to insure my jewelry?
For significant pieces (generally $1,000+), yes — a current appraisal from a certified gemologist establishes the agreed value for your policy. Appraisals should be updated every 3-5 years as jewelry values change. We can provide guidance on finding qualified appraisers.
Is my engagement ring covered under my homeowners insurance?
Only up to the jewelry sublimit — typically $1,000-$2,500 — and usually only for theft, not loss. An engagement ring is often the most valuable piece of jewelry a person owns. Scheduling it on a floater or dedicated jewelry policy ensures full replacement coverage.
What does it mean to ‘schedule’ jewelry?
Scheduling means listing a specific item on your insurance policy with its appraised value, description, and photos. Scheduled items receive individual coverage at full value rather than sharing a sublimit with all your other jewelry. Most valuable pieces should be scheduled.
How much does jewelry insurance cost?
Jewelry insurance typically costs 1-2% of the jewelry’s appraised value per year. A $10,000 engagement ring might cost $100-$200 per year to insure — less than $20 per month for full replacement coverage anywhere in the world.
Why TWFG Insurance Branch 342?
Independent agency — we shop the market so you don’t have to.
Based in LaGrange, GA — licensed across 7 states and nationwide.
We fight for you at claim time — that’s the independent agent difference.
We review your coverage every year to make sure you’re always protected.
Other Personal Coverage Options
Ready to Get Covered?
Free quote from TWFG Insurance Branch 342. No obligation, no pressure.