What type of insurance do I need for jewelry?
A homeowners insurance policy will pay for jewelry repair or replacement after a problem covered by the policy, such as a fire. But a standard home insurance policy limits coverage to $1,500 for theft of jewelry, watches, furs, precious and semiprecious stones.
Can you claim for a lost ring?
Lost rings and valuable personal items may be covered under home insurance, but standard coverage limits can be low. To be sure your valuables have the coverage you want, have them professionally appraised and find out about insurance options. A “floater” endorsement can extend coverage limits beyond the base coverage.