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Does Progressive renters insurance cover jewelry?
I inherited my great-grandmother’s sapphire engagement ring. Now, my roommate is saying I should take out a rider on my renters policy to cover the ring. Does my Progressive renters insurance cover jewelry?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Inheriting a family heirloom is one of those momentous occasions. And your roommate’s correct—you’ll want to take out supplemental insurance to cover the ring if it’s valuable. Standard
renters insurance
covers personal property from perils such as theft and fire, but it won’t cover the full value of the jewelry.Here are some steps you can take to insure your great-grandmother’s ring:
- If it hasn’t already been, have the ring professionally appraised. You’ll need to determine whether the ring is valuable enough to insure separately with a rider. In addition, you’ll likely need to send the appraisal to your insurance company, in this case, Progressive.
- You’ll be pleased to know that if your ring is stolen or lost in a fire (or another covered peril),Progressivesays you won’t have to pay a deductible.
- Theft coverage includes theft outside your home or apartment. For instance, if your ring is stolen from a locked gym locker, you can file a claim.
Enjoy wearing your great-grandmother’s ring!
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- 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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