Jewelry Insurance and Valuable Articles Insurance

Whether you collect jewelry, antiques or memorabilia, a standard homeowners insurance policy may not provide adequate coverage for your treasured possessions. A HUB personal insurance advisor will discuss options and deliver a custom solution for any collection.

Many people don’t realize that their homeowners insurance policy provides limited coverage for jewelry, typically just a few thousand dollars, once you’ve met your deductible. Some other important factors to consider are:

  • Standard policies cover losses caused by theft, fire and storms, but if you lose your engagement ring, for example, most policies won’t cover the loss.
  • The value of gold and other precious metals has increased over the past 10 years. Even if your jewelry is insured, it may be undervalued.
  • Reappraise your jewelry every two to four years to ensure its fair market value is reflected if and when you need to file a claim.

Contact a HUB Personal insurance specialist for help in determining if itemized or blanket insurance coverage best meets your needs.

Learn more about protecting your jewelry:

Once Your Jewelry is Unwrapped, Don’t Leave it Uninsured

Learn more about how to protect and insure your collections:

Guide to Protecting Your Wine Collection: Lean about the risks you face with regard to storage and shipping.

Guide to Protecting Your Fine Arts Collection: Steps you can take to properly care for and prevent damage to your art collection. 

Expecting the Unexpected:  Disaster Planning Best Practices for High Net Worth Individuals: Covers three steps to building an effective plan to protect your property and family.

Related Coverages

Homeowners InsuranceRenters Insurance