Standard personal property insurance covers jewelry, but only up to strict policy sub-limits that typically cap theft or loss payouts at 1,500 to 2,500 dollars total per category. If you own high-value engagement rings, luxury timepieces, or heirloom pieces worth more than those sub-limits, standard unscheduled coverage will leave you severely underinsured. To protect jewelry for its full appraised value without standard policy deductibles, you must add a scheduled personal property endorsement or a personal articles floater to your policy.
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