Jewelry and Valuables Insurance
Jewelry and valuables insurance, often called scheduled personal property or a floater, insures high-value items individually beyond the limits a homeowners or renters policy sets for categories like jewelry. It typically offers broader protection that may include accidental loss and mysterious disappearance, often with an agreed value set for each scheduled piece.
An engagement ring, an inherited watch, a growing art collection: the items that mean the most often carry limits your homeowners policy was never designed to cover. We help California clients schedule what matters and understand how the coverage works.
What does jewelry and valuables insurance cover?
- Jewelry, engagement rings, and watches.
- Fine art, antiques, and collectibles.
- Furs and other high-value personal items.
- Broader perils that may include accidental loss and mysterious disappearance.
- Agreed value coverage on scheduled items in many cases.
How we help: we review the pieces you want to protect, explain how scheduling and agreed value may work, and help you gather the appraisals often required. Because these items usually connect to your homeowners or renters coverage, we can make sure the pieces work together rather than leaving gaps.
