Does homeowners insurance cover jewelry?

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.

Do I need jewelry insurance?

Certain companies, including some major insurers, offer standalone jewelry insurance policies. A jewelry insurance policy could be helpful if your home insurance company does not offer a scheduled personal property endorsement. Jewelry insurance policy specifics vary greatly between companies, but loss, theft and some damage are usually covered.

Does renters insurance cover jewelry?

Yes, typically renters insurance covers jewelry, though it will depend on your policy. Most policies also have a relatively low sublimit for jewelry, meaning that you will only be able to receive the maximum of the sublimit of your renters insurance policy regardless of the value of the lost item.