Jewelry insurance coverage
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Does homeowners and renters insurance cover jewelry

Man proposing with an engagement ring

Special occasions – from a couple's engagement to a promotion at work – may be marked with expensive jewelry. It's important to protect your valuables with the appropriate jewelry insurance coverage. Below is some information about homeowners and renters insurance coverage of jewelry to help you protect your precious items.

Does renters and homeowners insurance cover jewelry theft?

Your standard homeowners or renters insurance policy covers jewelry theft up to a certain value. To properly insure jewelry, engagement rings and other expensive items, consider purchasing additional coverage through an economical floater or an endorsement. An optional homeowners insurance coverage you can add to your Nationwide policy is Valuables Plus® which provides additional protection for jewelry and other high-value items such as watches and antiques.

Does renters and homeowners insurance cover lost jewelry?

If you lose a piece of jewelry, you may be covered in most cases. With floaters and endorsements, there are often lower or no deductibles, and frequently you will have the option of having the insurance company replace the item for you.

While your homeowners insurance policy may cover jewelry theft, the best protection is avoiding an incident in the first place. Here are some tips to help keep your jewelry safe from theft.

Jewelry theft protection tips:

For more information on covering your jewelry and engagement rings, contact a Nationwide agent today.

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