Does My Homeowners Insurance Cover Jewelry? 
Usually , but in a fairly limited way . If there is coverage , it will be for the named perils listed in the policy AND subject to your Homeowners ' Deductible . The coverage may also be limited to a specific dollar amount per piece . If you do have jewelry or other higher value items that you are concerned about , it is best to talk to you insurance professional about `` scheduling '' those items for coverage either on a homeowners ' `` rider '' or as a separate policy all together . There are a couple of advantages to this . First , the item will be covered to it 's appraised value as opposed to some significantly smaller amount . Second , when scheduled these items are usually then NOT subject to the homeowners ' deductible . Finally , in addition to the perils listed in the Homeowners policy , scheduled items are also covered for `` mysterious dissappearance '' which is much broader coverage . This means that there would be coverage even if the item was simply lost . If your diamond falls out of your engagement ring and the ring is scheduled , there would be coverage to replace the stone . There would be no such coverage under a standard Homeowners ' policy . 