How to get Jewelry Insurance?

Standard policies from major homeowners and renters insurance companies typically offer some coverage for jewelry, often up to $1,500, according to the Insurance Information Institute.

If you don’t have homeowners or renters insurance, or that’s not enough to cover your jewelry, you can:

Add special jewelry coverage to your home or renters policy, usually called a “scheduled” floater, rider or endorsement. These policies require you to itemize specific pieces of jewelry, along with their replacement values. They typically have higher coverage limits than standard homeowners or renters policies, as well as coverage for more circumstances, and they often don’t charge a deductible.

Stand-alone jewelry only insurance policy. Some insurers offer jewelry insurance as a stand-alone policy, and some specialty companies sell only jewelry insurance.

Companies that specialize in insuring jewelry often offer more comprehensive and customizable coverage. You can snag coverage with more options and higher limits than the coverage offered by your current home or renters policy,