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Is stolen jewelry covered by homeowners insurance?
Jewelry is usually covered, but under a special dollar cap that is far below the personal-property limit. Here is where to find yours.
What filed forms generally say
Theft of jewelry generally falls under personal property, so it is covered in principle.
Nearly every filed form then applies a special limit to jewelry, watches and precious stones for loss by theft — a single low cap that applies to the whole category, not per item.
Scheduling the items on an endorsement is the usual way that cap is raised, and the endorsement then governs instead of the booklet figure.
Why your policy can still say something else
The special theft limit varies widely between forms, and a scheduled-property endorsement overrides it entirely for the items listed.
Clauses to look for in your own document
- Special Limits of Liability
- Coverage C — Personal Property
- Scheduled Personal Property endorsement
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.