Jewelry stolen?
Is Stolen Jewelry Covered by Home Insurance?
Jewelry has its own sub-limit on most home policies — often just $1,500. See what your policy actually pays in 60 seconds.
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The short answer
Jewelry is covered under home/renters insurance theft, but capped — typical sub-limits are $1,500 to $2,500 total. For pieces above that, you need a scheduled personal property endorsement (sometimes called a 'rider' or 'all-risks' add-on).
What scheduling gets you
Higher limits, no deductible, and 'all-risks' cover (loss, mysterious disappearance, damage).
- Annual cost: 1–2% of insured value.
- Appraisal required for pieces over $5,000.
- Covers worldwide, including on vacation.
Frequently asked
- What if I don't have appraisals?
- Replacement receipts or vendor photos can substitute. Going forward, get appraisals for anything over $1,000.
- Is jewelry covered outside the home?
- Off-premises theft is usually capped at 10% of the contents limit. Scheduling removes that cap.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.