Homeowners insurance covers jewelry, but only up to a low theft sub-limit (often $1,000–$2,000). To fully cover a valuable ring, schedule it with a rider.
By the Home & Dime Editorial Team · Last updated 2026
The sub-limit
Theft payouts for jewelry are capped low under the base policy.
Scheduling for full coverage
A scheduled personal property rider covers full appraised value and adds accidental loss — often with no deductible.
Frequently asked questions
Is a lost ring covered?
Not under the base policy — only if scheduled.
Do I need an appraisal?
Yes, usually, to schedule a valuable item.
The bottom line
Base jewelry coverage is capped; schedule valuables to cover full value and loss.
Related guides
- What Does Homeowners Insurance Cover?
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Homeowners Insurance guide
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