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Does home insurance cover lost jewelry?
After coming home from vacation, we found out we were robbed. The sad thing is, I left my wedding ring at home because I didn’t want to lose it on our trip, and now it’s gone anyway. Does home insurance cover lost jewelry?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m so sorry to hear that. The last thing you want to discover when returning home is that one of your most prized possessions has been taken from you. Home insurance policies commonly cover lost jewelry, as long as the reason for the loss is a named peril in the policy.
Named perils
are causes of damage or loss that your insurance policy will cover. Common examples include:- Theft
- Fire
- Windstorms
- Hail
- Lightning
Theft is commonly included as a covered peril in a standard home insurance policy, so it’s likely your loss is covered. How much your insurance company will cover depends on your policy’s specified coverage limit for jewelry.
Hopefully, you didn’t lose much else. If you have remaining valuable jewelry items that exceed your policy’s coverage limit, you may want to consider getting additional insurance to protect them against future losses.
I hope your insurance coverage can help you replace your ring with one that’s just as lovely.
If your experience with this leaves you wanting to find better coverage,
Jerry
can help you find and compare quotes from top insurance companies, including Nationwide and Travelers, making it easier to find the right policy for you at the best price. Once you find what you’re looking for, Jerry can even help you cancel your old policy.If you have questions that arise about specific coverage elements, like jewelry, Jerry’s friendly and experienced agents are happy to help.
View full answer
- Gregory R.
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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.
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