Does Homeowners Insurance Cover Lost Jewelry?

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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Jewelry is personal property and is covered by a homeowner’s policy.  Most homeowner’s policies limit the recovery on jewelry and many offer a floater that provides worldwide coverage without a deductible for jewelry.  There is an additional charge for that coverage.  If jewelry is lost or damaged and not included in a floater, it will be adjusted on the replacement or depreciated value depending on the type of personal property coverage elected.  The result will be reduced by the deductible.
    Answered on May 28, 2014
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