High-Value &
Jewelry Insurance
The Ones You Can't Replace.
A watch passed down. A custom ring. A collection built over years.
Standard insurance doesn't treat them that way. Scheduled personal property coverage does.
What We Cover
Engagement & Wedding Rings
The most commonly scheduled item. Agreed value coverage, loss included.
Fine Watches & Collections
Rolex, Patek Philippe, AP — replacement cost coverage for high-end timepieces.
Jewelry Collections
Necklaces, earrings, bracelets, and heirloom pieces — catalogued and fully covered.
High-Value Accessories
Designer bags, fine leather goods, and luxury accessories that exceed standard limits.
Collectibles & Art
Sports memorabilia, fine art, numismatic coins, and curated collections.
Camera & Electronics
High-end photography equipment and professional electronics valued above homeowners caps.
Where Standard Policies
Fall Short
Most homeowners policies have strict sub-limits on jewelry and valuables. According to the Insurance Information Institute, standard policies are designed for general property — not high-value items. That means what you get back may not match what you lost.
Most policies cap jewelry coverage at $1,500–$2,500 for theft. A single engagement ring can exceed this easily.
Even lower sub-limits on valuable items. Collectibles and watches may not be covered at all without a floater.
Most travel policies exclude scheduled valuables or carry very low per-item limits for jewelry losses abroad.
Purchase protection covers brief windows after purchase at reduced amounts — not a long-term coverage solution.
A standard homeowners policy with a $1,500 jewelry sub-limit pays $1,500 for a $12,000 ring theft — regardless of what you paid or what an appraiser certified its value to be.
When It's Gone, It's Gone
High-value items are often the first target. Losses don't always come with warning, and replacement costs can be higher than expected. FBI property crime data shows theft remains consistently high.
Jewelry lost while traveling
$8,500 LossAn engagement ring removed at airport security never makes it back to the carry-on bag. Homeowners policy: $1,500 limit. Out of pocket: $7,000.
Watch stolen from hotel room
$12,000 LossA Rolex left on a nightstand is gone on checkout day. Hotel offers nothing. Renters insurance: $1,000 sub-limit. Unscheduled item: no additional coverage.
Ring damaged — stone missing
$4,200 RepairA center stone falls out after a hard impact. Homeowners pays for theft — not for mysterious disappearance. The loss isn't covered.
Jewelry stolen in home break-in
$22,000 TakenMultiple pieces stolen during a burglary. Total value: $22,000. Homeowners jewelry sub-limit: $2,500 for all combined. Net payout: $2,500.
Items misplaced — no explanation
$3,800 LossA bracelet disappeared. No break-in, no police report. Most homeowners policies require evidence of theft — mysterious disappearance alone isn't covered.
Without scheduled coverage, every one of these scenarios results in a fraction of the actual loss being paid. The gap is absorbed entirely by the owner.
Coverage That Matches the Value
Scheduled personal property insurance is designed specifically for high-value items — not general property. Here's what makes it different.
Agreed Value — Not Depreciated
Your item is insured for a specific agreed amount. At the time of loss, you receive that amount — not a depreciated market value that may fall short of replacement.
Worldwide Coverage
Standard homeowners policies are tied to your home address. Scheduled personal property insurance follows your items anywhere in the world — including while traveling.
Loss, Theft, AND Damage
Broad form coverage includes mysterious disappearance, accidental damage, and theft — not just theft and fire. Homeowners doesn't include all of these.
No Deductible Options
Many scheduled property policies offer $0 deductible options. A $20K ring claim doesn't come with a $1,000 or $2,500 deductible eating into your payout.
No Sub-Limits
Unlike homeowners policies with per-item and per-category caps, scheduled coverage insures each item at its full appraised value independently.
Replacement or Cash Value
Most carriers work with jewelers and certified appraisers to replace your item or provide cash equal to the agreed replacement cost if preferred.
Your Coverage Needs
to Follow — Not Stay Home
Standard homeowners coverage is tied to your home address. But your ring goes on your morning jog, your watch travels with you to New York, and your camera gets packed for every trip. Scheduled personal property coverage follows the item — not just the address.
- Travel — domestic and international
- Events and social occasions
- Daily wear and everyday exposure
- Hotels, restaurants, and public venues
They Don't Rely on Base Policies
Because protecting assets means protecting everything around them.
Schedule Items Separately
Get a personal property floater or rider that lists each high-value item by description, serial number, and appraised value. This removes sub-limits entirely.
Appraise Regularly
Jewelry values fluctuate with metal and diamond markets. An appraisal from 5 years ago may significantly understate today's replacement cost. Update valuations every 2–3 years.
Document Everything
Keep photos, purchase receipts, appraisal certificates, and serial numbers stored digitally and off-site. Claims are paid faster and more fully with complete documentation.
Pair With Umbrella Protection
High-value property coverage protects your items. Umbrella insurance protects everything else. Smart owners layer both — because protecting assets means protecting the full picture.
Pair With an Umbrella Policy for Full Protection
High-value property coverage protects your items. Umbrella insurance protects everything else — your home, income, and future. Smart Florida owners layer both.
Protect What Matters Most
Get a Quote Today
Tell us about your items and we'll find the right scheduled personal property coverage. No deductible options available. Agreed value policies from top-rated carriers.
High-Value & Jewelry Insurance
Tell us about your items — we'll find the right coverage.