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Partially. Most policies include a low special limit for jewelry theft — often $1,000 to $2,500 total — regardless of your overall contents limit. Higher-value pieces need to be scheduled on a personal articles floater, which also usually covers mysterious disappearance with no deductible.
What you need to know
Special limits to look for
Jewelry, watches, furs, silverware, firearms, and cash all carry their own sub-limits in the policy language.
What scheduling adds
Broader perils, agreed value, and often no deductible. An appraisal or receipt is typically required.
Keep documentation current
Values move. A five-year-old appraisal can understate a piece badly at claim time.
Common mistakes
- Insuring the home to market value or loan balance instead of today's rebuild cost.
- Leaving liability at the lowest available limit with no umbrella above it.
- Assuming flood and earthquake are included — both are separate in California.
- Never scheduling jewelry, art or other items that carry low special limits.
- Filing small claims that cost more in renewal pricing than they paid out.
When to talk to an agent
Talk to an agent when your premium jumps, when you renovate or rent out the home, when you are told you are being non-renewed, or any time you cannot tell from the declarations page what your policy would actually pay.
Frequently asked
This article is general information, not a policy or a promise of coverage. What your policy pays depends on its specific terms, limits and exclusions. Ask us to review your actual policy before making a decision.