PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Are watches covered by home insurance?
My wife got me a really expensive watch for our anniversary—and while I’m definitely grateful, I’m also pretty anxious over the thought of something happening to it. I know some home insurance can cover lost engagement rings, but have no idea whether that type of protection extends to other jewelry. Specifically, are watches covered on your home insurance policy?
Kathryn Mae Kurlychek · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Watches—along with other valuable jewelry—have limited coverage since they are considered personal property under your
home insurance
policy. So if your watch is stolen or damaged as the result of a named peril
(like storm damage or vandalism), you’ll be able to claim coverage up to a certain dollar amount. Keep in mind, all claims are subject to your insurance deductible.
But if your watch is especially precious, it’s a good idea to think about adding extra coverage to your policy. If your watch’s value exceeds the limit of your homeowners insurance policy, which is usually around $1,500, purchasing additional insurance for your jewelry and other valuables can help ensure you won’t suffer monetary damages.
Looking to add extra coverage to your homeowner’s insurance without breaking the bank? Super app
Jerry
can help you find the best deals on coverage for your home in less than a minute—and you can use it right from your phone. All you have to do is download the
trustworthy licensed brokerage app
, answer a few questions, and Jerry will take care of the rest. We’ll give you a comprehensive cross-analysis of policies from the top, name-brand insurers to make sure you have a policy that suits your needs and your budget. Choose the policy you like, then let Jerry do the hard work for you—we’ll handle all the phone calls, paperwork, and renewals.
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies