Does renters insurance cover damaged clothes and jewelry? 
That answer depends on the type of loss occurred . If you have a policy that offers Special coverage than you are covered for everything but what is excluded . If you have broad or basic coverage then you have a list in your policy of what types of losses are covered . Typically jewelry will have a separate limit with a maximum of $ 500 per item . Clothes are considered part of your contents coverage and have no other limits . Let us say it was a fire , then your clothes could be covered up to the limits of your policy and jewelry would be subject to the separate limits listed . 