Does Progressive Renters Insurance Cover Jewelry? 
A standard renters insurance policy does cover jewelry loss or damage , if as a result of a covered peril . However , these policies contain a limit to the amount that will be paid for each jewelry item . The limits are generally $ 1,000 or $ 1,500 for each piece or a set amount for all jewelry lost or damaged at one time by one occurrence . So , obviously you could have jewelry that is worth a lot more than you would receive in the event of a covered loss . If such a situation exists for you , consider buying additional insurance based on the values of the jewelry . This can be done on an endorsement or separate policy . Check with your agent as to your options . Also , be aware that some pieces may need to be appraised before determining the premium you will be charged . 