Jewelry and Valuables Insurance
Quotes are not available for risks located in AK, FL, HI and LA.
Travel protection is offered by our trusted partner, Travel Insured International, through InsuraMatch, LLC, a Travelers-owned insurance agency.
InsuraMatch
Pet insurance is offered by our trusted partner, PTZ Insurance Agency, Ltd through its ASPCA® Pet Health Insurance program via InsuraMatch, LLC, a Travelers-owned insurance agency.
InsuraMatch
Motorcycle insurance is offered by our trusted partners, through InsuraMatch, LLC, a Travelers-owned insurance agency.
InsuraMatch
Flood insurance is offered by our trusted partner, Neptune Flood, through InsuraMatch, LLC, a Travelers-owned insurance agency.
InsuraMatch
What is jewelry and valuables insurance?
Jewelry and valuables insurance is a type of coverage designed to help protect personal items, such as engagement rings, wedding bands, fine art and certain collectibles, that may be more expensive than what a typical home policy covers. It can help cover loss, theft or certain types of damage, depending on the policy.
Many people assume their valuable possessions are adequately covered by homeowners insurance, but coverage for items like jewelry, fine arts or collectibles may have special coverage limits or deductibles, may not apply to every type of loss and may not be enough for higher-value items.
Travelers offers two coverage options so homeowners, condo owners and renters can choose the level of protection that fits their needs.
What is a Personal Articles Floater policy?
A Personal Articles Floater policy insures specific valuable items separately and may help cover them even when traveling, depending on the policy.
This policy may be a good choice if you want to protect specific items with values that may exceed your homeowners or renters policy limits.
In many cases, an item’s value can be established using documentation such as a purchase receipt, bill of sale or appraisal, when required.
Covered losses for jewelry and scheduled fine art will be paid at the agreed value. Covered losses for fine art that isn’t scheduled will be paid based on its current value. For other items, the settlement amount will depend on the item type as well as the details of the loss.
What is a Valuable Items Plus endorsement?
A Valuable Items Plus endorsement is an optional addition to a homeowners insurance policy that increases the special limits of liability for jewelry and other valuable items.
With a Valuable Items Plus endorsement, homeowners insurance coverage is expanded to help cover the cost to repair or replace your valuables if you experience a covered loss.
Depending on how you choose to insure your valuable items, coverage limits may apply. For example, jewelry, paintings and other fine art are often covered up to $50,000, while items like silverware are often covered up to $20,000. The most that can be paid for a single item is usually $10,000 or $20,000, depending on your state, policy terms and underwriting approval.
Is jewelry insurance worth it?
Jewelry insurance may make sense if you own items that would be costly to repair or replace out of pocket.
You may want to consider this coverage if:
- You own items that would be expensive to repair or replace.
- Your valuables are worth more than your homeowners insurance limits.
- You’d prefer not to pay your entire loss out of pocket if an item is lost, stolen or damaged.
For many people, valuables coverage can help reduce the financial impact if something happens to an important item.
What items can be covered?
Jewelry and valuables insurance can cover a wide range of items, including jewelry, watches, fine art, collectibles, musical instruments, bicycles and certain types of sports equipment.
Travelers offers two ways to insure these items. You can add coverage to your homeowners or renters policy for certain types of valuables or choose a separate policy that provides broader protection and can cover additional types of items. Not all items are eligible for all types of coverage.
This type of coverage is often used for belongings that may exceed the limits of a standard homeowners or renters policy.
Travelers valuables coverage can help protect jewelry, including engagement rings, wedding bands and watches.
You may hear this type of protection called “engagement ring insurance,” “wedding ring insurance” or “ring insurance.” With Travelers, these items are covered under valuables coverage.
Because jewelry is often worn outside the home and can be expensive to repair or replace, Travelers offers options for extra protection beyond typical homeowners insurance limits. You can add coverage to your homeowners or renters policy or choose a separate policy with broader protection. This coverage can help if your item is lost, stolen or damaged.
Travelers valuables coverage can help protect items like fine art, musical instruments and collectibles.
These items often have higher values and may need special care to repair or replace. Travelers offers coverage options that can be added to your homeowners policy or provided through a separate policy with broader protection for these types of items.
This coverage can be a good option for items that are used often or taken outside the home.
Travelers valuables coverage can help protect personal electronics, computers and sports equipment.
These items can be expensive to repair or replace, and losses may go beyond the limits of a typical homeowners or renters policy. Travelers offers coverage options that help protect these items both at home and away.
What types of loss does jewelry and valuables insurance typically cover?
Jewelry and valuables insurance typically covers loss, theft and certain types of damage to items that may not be covered or may have special coverage limits under a homeowners insurance policy. Coverage details vary by policy, but this insurance is designed to help cover the costs of common risks associated with owning valuable items.
Common coverage benefits
Depending on the policy, Travelers jewelry and valuables insurance can help cover common situations where an item is stolen, lost, damaged or goes missing.
Examples may include:
- A ring is stolen from your home or while traveling.
- You lose a necklace or ring, such as at the beach or when a clasp breaks.
- An item goes missing and the exact cause cannot be determined.
- You lose a stone because you were unaware a prong had broken.
This type of coverage is intended to help protect valuable items during everyday wear, travel or storage, when theft, loss or damage can occur.
These examples are for illustrative purposes only. Whether a loss is covered depends on the specific facts, policy terms and conditions.
What’s typically not covered?
Some losses are typically not covered by jewelry and valuables insurance, depending on the policy. Exclusions vary by policy and by item.
Examples of situations that may not be covered include:
| Situation | What this means |
|---|---|
| Intentional loss or damage | Damage caused on purpose or through deliberate action. |
| Normal wear and tear | Gradual deterioration, aging or routine use over time. |
| Cyber-related incidents | Loss of electronic data or digital assets. |
| Policy-specific exclusions | Events or conditions specifically excluded in your policy documents. |
To understand how coverage applies to your items, it’s important to review your policy details or speak with your independent insurance agent or a Travelers representative.
How much does jewelry and valuables insurance cost?
The cost of jewelry and valuables insurance depends on factors such as the type and value of the items you insure, where you live and the type of coverage you choose. Because coverage is specific to the type and value of individual items, pricing can vary.
For Personal Articles Floater policies, a $50 minimum annual premium typically applies in many states.** Availability and pricing vary by state and policy.
To find out what coverage may cost for your items, speak with an independent agent or Travelers representative for a personalized quote.
What factors can affect the cost of coverage?
Several factors can affect how much you pay for jewelry and valuables insurance, including:
- The value of the item, typically determined by an appraisal or proof of purchase.
- The type of item, such as jewelry, fine art or musical instruments.
- Where you live, as rates and availability can vary by state or region.
- Your deductible, if applicable.
Why Travelers for jewelry and valuables insurance?
Travelers offers flexible jewelry and valuables insurance coverage, whether you’re protecting a single important item or multiple valuable belongings.
Coverage and claims are handled directly by Travelers, helping provide a consistent and professional experience from start to finish. With deep experience insuring personal items such as jewelry, fine art and collectibles, Travelers provides the care and attention needed to help homeowners protect their valued belongings.
Homeowners or renters can choose coverage that helps fit their specific needs, including a stand-alone Personal Articles Floater policy or a Valuable Items Plus endorsement added to their homeowners insurance.
Ready to protect jewelry and other valuables?
Contact your local independent agent or a Travelers representative to learn more or get a quote.
Frequently asked questions
Questions about jewelry insurance and insuring other valuable items
Does your homeowners or renters insurance policy cover your most valuable belongings? Here’s a quick FAQ guide to navigating your options and finding the insurance coverage you need.
Jewelry and valuable items may be covered by a homeowners insurance policy, though coverage can be limited for certain belongings. Additional insurance may be available through a Personal Articles Floater policy or a valuables endorsement on your homeowners insurance policy.
A Travelers representative or independent agent can help explain which optional coverage may be appropriate based on what you own.
A Personal Articles Floater policy provides insurance coverage for specific items, such as jewelry, engagement rings, fine art, musical instruments and other valuable belongings.
Items are typically listed individually and insured based on their documented value. This type of policy can be a good option when an item exceeds your homeowners coverage limits or when you want dedicated coverage for one or more valuables.
Coverage details vary by item and policy, so reviewing your options with a Travelers representative or independent agent can help you understand how protection applies to your items.
To get started, make a list of the items you’d like to insure. This might include jewelry, engagement rings, artwork, cameras, musical instruments, bicycles or certain types of sports equipment.
Next, review your existing homeowners insurance policy to understand what coverage and limits you already have for those items. Some belongings may have lower coverage limits than expected.
You may need to provide documentation, such as a receipt or appraisal, to confirm an item’s value.
A Travelers representative or independent agent can help you explore your options and provide a personalized quote.
You can add engagement ring or wedding ring coverage by either adding a Valuable Items Plus endorsement to your Travelers homeowners policy or purchasing a Personal Articles Floater policy.
A Valuable Items Plus endorsement provides coverage for jewelry under your existing Travelers homeowners insurance, subject to certain terms and limits. A Personal Articles Floater policy provides dedicated coverage for a specific ring, with its value typically confirmed by documentation such as a purchase receipt or appraisal.
A Travelers representative or independent agent can help you compare these options so you can determine which fits your needs.
Not necessarily. While you’ll need documentation to show what your item is worth, a formal appraisal isn’t always required to purchase coverage.
In many cases, a purchase receipt, bill of sale or similar documentation may be enough. Items insured under a Valuable Items Plus endorsement typically don’t require an appraisal. For a stand-alone Personal Articles Floater policy, an appraisal may be needed depending on the item and its value.
We recommend keeping documentation of your item’s value up to date to help ensure that you have the right amount of coverage.
If you don’t have an appraisal, don’t let that stop you from exploring your options. A Travelers representative or independent agent can help you understand what documentation may be needed for your specific situation.
Jewelry and valuables insurance may help protect your covered items while you’re traveling, depending on your specific policy.
This coverage can apply to situations like theft or certain types of damage. Since coverage details vary by policy and item type, it’s important to review your policy with your insurance agent or Travelers representative to understand exactly how your protection applies when you travel.
Other coverages
Prepare & Prevent
Insights to help you manage risks at home and on the road
Tips and Resources for Insuring Your Home
Do I Need Extra Insurance for Jewelry and Other Valuable Items?
Wondering if you need extra insurance for jewelry or fine art? Get expert tips from Travelers to protect what matters most.
Emergency Preparedness
5 Steps to Create a Home Inventory Checklist
Create a home inventory checklist to keep track of your important possessions in order to help verify loss for insurance and taxes.
Tips and Resources for Insuring Your Home
Is Your Home Insured to Its Estimated Replacement Cost?
If your home isn’t insured to its estimated replacement cost, your homeowners policy may not cover the full cost to rebuild.
