Valuables insured for what they’re worth.
Scheduled coverage for engagement rings, watches, art and collections, beyond the limits of a standard homeowners or renters policy.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Homeowners policies cap valuables
Homeowners and renters policies commonly set special limits for theft of jewelry, watches and similar items, often only a few thousand dollars in total.
Scheduling items individually, on a floater or a stand-alone policy, covers them at a stated value and often for broader causes of loss, including mysterious disappearance.
- Scheduled itemsEach piece listed with its appraised value.
- Broader coverageOften includes loss and mysterious disappearance, not just theft.
- WorldwideMany policies cover items while traveling.
- AppraisalsCarriers usually ask for a recent appraisal or receipt for higher-value pieces.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Items: a list of pieces to insure.
- Values: appraisals or receipts.
- Photos: clear pictures of each item.
- Storage: safe, vault or alarm system.
- Current policy: your homeowners or renters declarations page.
- Travel: whether items leave the home often.
Valuables insurance, answered
Doesn’t my homeowners policy cover my jewelry?
Partly. Most homeowners and renters policies set a low special limit for theft of jewelry and similar items. Scheduling covers them at full value.
Do I need an appraisal?
Usually for higher-value items. Carriers vary in how recent it must be.
Is losing a ring covered?
Often yes on a scheduled policy that includes mysterious disappearance. Standard homeowners policies usually don’t cover simple loss.
Can I insure a collection as a whole?
Yes. Blanket coverage for collections is available from some carriers, with per-item limits.
Do you offer jewelry and valuables insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state or high-value home insurance by state.
Send the list and appraisals.
Photos and approximate values are enough to get quotes started.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
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