Protecting Your Valentine’s Jewelry

Valentine’s Day may have come and gone, but if you (or your loved one) received a sparkling new piece of jewelry, there’s one important thing you shouldn’t forget—insuring it! While homeowners insurance does provide some coverage for jewelry, it’s often limited. That’s why scheduling your high-value pieces separately can be the best way to ensure they’re fully protected.

Why Scheduling Jewelry Matters

Most standard homeowner’s policies only cover jewelry up to a certain limit—often around $5,000 for theft or loss. That might sound like enough, but a single engagement ring, diamond necklace, or designer watch could easily exceed that limit. Worse yet, standard policies may not cover accidental loss, mysterious disappearance, or damage. Scheduling your jewelry means adding a specific endorsement to your policy that provides broader coverage, often without a deductible.

What Does Scheduled Jewelry Coverage Include?

When you schedule your jewelry, you get protection beyond the basics, including:
✔️ Coverage for accidental loss (yes, even if a ring slips off while washing your hands!)
✔️ Protection against theft, even outside your home
✔️ Coverage for damage, such as a broken clasp or missing stone
✔️ Full replacement value, so you don’t have to settle for a depreciated payout

Don’t Wait

Jewelry holds both sentimental and financial value, so ensuring it’s properly protected is a must. If you didn’t think about adding that new Valentine’s Day piece to your policy, now’s the time! Contact our team today, and we’ll help you schedule your jewelry for full peace of mind.