Q: Do I need separate coverage for jewelry?

A: Coverage for stolen or destroyed jewelry and other precious items such as furs, chinaware, watches, etc. is typically included in a standard homeowners policy.

The coverage, however, is limited to the amount specified in your policy. Many standard home insurance policies will cover only about $1500 for jewelry but not exceeding $1000 for any one article. If you determine that you need more insurance coverage for your jewelry and other valuable items, contact an agent to discuss options for increasing your limit of this portion of your policy.

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Last Updated: April 16, 2008 11:20 AM EST

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