Does Homeowners Insurance Cover Jewelry Loss? 
Mysterious disappearance is excluded under most home insurance policies and most , if not all , insurance companies will have an internal limit on jeweler y . They also limit other items such as monies & securities , fine arts , silverware , musical instrument , etc. . You can , and should , schedule your jewelry on the policy . This will give you coverage for a piece of jewelry being lost or stolen and defines the amount of coverage through an appraisal . 