Most people know the standard homeowners policy covers their personal property, but may be unaware that jewelry and other valuables are treated differently than the rest of their stuff.

 

For your jewelry – or silver, fine arts, or collectibles – there is specialized insurance that goes beyond the limitations of a regular homeowners policy, ensuring that your items are covered to their value and for a wider range of risks.  This may be written as a separate, stand-alone policy, or an attachment to your homeowners insurance.