Jewelry, art and valuables insurance

Homeowners and renters policies limit theft coverage for jewelry, watches, furs, firearms, silverware and similar items, often to a few thousand dollars in total, and may not cover a lost stone or a ring that slips off. Scheduling an item on a personal articles endorsement or a separate valuables policy covers it for its appraised value against a much broader range of losses.

Items worth scheduling

• Engagement rings and fine jewelry
• Watches
• Fine art and sculpture
• Musical instruments
• Cameras and professional equipment
• Coins, stamps and other collections
• Firearms and sports equipment such as bikes and golf clubs

What you will need

A recent appraisal or receipt for each item, plus photos. We recommend updating appraisals every few years, since gold and diamond prices change.