Does Home Insurance Cover Lost Jewelry? 
Jewelry is covered under a homeowners policy . Most homeowners policies have an internal limit to the amount of coverage for jewelry . Under the homeowners policy the loss of jewelry is subject to the deductible on the policy . People are rarely satisfied with the adjustment made on jewelry under their homeowners policy . A jewelry floater is supplemental coverage that can be provided and it will replace the lost jewelry or pay a stated amount . This coverage must be backed up by an appraisal . There isnt usually a deductible on a jewelry floater . 