Valuables Insurance
Jewelry and valuables insurance in North Carolina
Your homeowner's policy has strict limits on jewelry, art, and collectibles. Here's how scheduled personal property coverage fills the gap.
Get a QuoteCall (919) 249-8448What your standard policy actually covers
Your homeowner's or renters policy covers personal property, but with significant limitations that most policyholders don't discover until they file a claim.
Standard policy sublimits for valuables:
- •Jewelry: most policies limit jewelry theft claims to $1,500 to $2,500 regardless of actual value. If your engagement ring is worth $8,000 and it's stolen, the policy pays $1,500 to $2,500.
- •Silverware and goldware: similar sublimits, typically $2,500 to $5,000.
- •Fine art and collectibles: standard policies may cover some art, but high-value pieces require scheduling.
- •Firearms: sublimit typically $2,500 for theft.
- •Musical instruments: sublimits vary by carrier.
The solution: scheduled personal property
A scheduled policy (also called a personal articles floater) lists each valuable item individually with its appraised value. Coverage is typically all-risk, broader than standard policy perils, with replacement cost and no deductible on most floater policies.
What scheduling covers that standard policies often don't:
- •Theft (with no sublimit, covered up to the scheduled value)
- •Mysterious disappearance, you can't find your ring and don't know what happened
- •Accidental damage
- •Damage or loss while traveling
How to schedule your valuables
Get a current appraisal for valuable jewelry. For items over $5,000 to $10,000, most carriers require a professional appraisal. Bring photos and documentation. The scheduling adds to your premium but is usually very affordable relative to the value being covered.
Cost example: scheduling a $10,000 engagement ring typically adds $100 to $200 per year to a homeowner's policy. That's far less than a rider at a jewelry store, and the coverage is broader.
Fine art
High-value art may require a separate fine art floater with an agreed value appraisal. Agreed value means no depreciation dispute at claim time, the carrier pays the appraised amount, period.
Cooper's take
Scheduling jewelry is one of the best value-per-dollar insurance purchases available. $150 per year to cover an $8,000 ring for theft, loss, and accidental damage with no deductible is an easy call. Bring your ring's appraisal and we can add it in minutes.
Cooper Parsons, NC License #19272643
Frequently asked questions
Does homeowner's insurance cover my jewelry if it's stolen?
Yes, but up to a sublimit, typically $1,500 to $2,500 for jewelry theft. For any jewelry worth more than this, scheduled personal property coverage is needed.
What if I lose my engagement ring and don't know how?
Standard policies don't cover mysterious disappearance. A personal articles floater (scheduled policy) typically does cover unexplained loss, you simply report it gone.
How do I get an appraisal for jewelry scheduling?
A certified jewelry appraiser (look for GIA-trained appraisers) provides a written appraisal with replacement value. Many jewelers offer appraisals. Most carriers require an appraisal for items over $5,000 to $10,000.
Do I need a separate policy for fine art?
For significant collections or high-value individual pieces, a fine art floater or inland marine policy provides better protection than adding to a homeowner's policy. Agreed value, no depreciation, no dispute at claim time, is the preferred coverage form.
Written & Reviewed By
Cooper Parsons
Owner & Licensed Independent Insurance Agent
NC License #19272643 · IronHaven Insurance · Wake Forest, NC · 25+ carriers
“Cooper saved me a TON of money while finding even better coverage for my home and auto. He is a solid person who cares about his clients. I'd rate him 500 stars if I could!”
Elliott Squires
Wake Forest, NC · Home & Auto
“Cooper worked with us when we thought we were all out of options for house insurance. He was able to help us get our home insured with a better package. So thankful for his communication and hard work!”
Rebecca Brady
Wake Forest, NC · Home Insurance
“Cooper is the partner you want to walk alongside you. He is an excellent teacher, a delight to work with. He's earned my trust, and he'll earn yours as well.”
Gabriel Torres
North Carolina · Insurance Client
Free Home Insurance Quote
How would you like to get your quote?