Usually not. Standard homeowners policies include special limits on jewelry, watches, and similar items, often only a few thousand dollars for theft. Valuable pieces should be scheduled individually on your policy or on a valuable articles policy so they are insured for their appraised value.
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Many valuable articles policies cover newly acquired items in an existing category automatically for a limited period, commonly 30 to 90 days, up to a set percentage of the category's ...
We recommend reappraising significant items every three to five years, and more often for categories with volatile markets such as certain watches, jewelry, and fine wine. Keep appraisals, receipts, and ...
With agreed value coverage, you and the insurer agree on an item's value when it is scheduled, usually based on a professional appraisal. If the item is lost, stolen, or ...
