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All standard homeowner policy forms including: homeowners, condominium, villa and renter policies have LIMITATIONS in the event of loss to jewelry.  All of the mentioned policy forms permit Rider/Schedule(which is itemization like appraisal) for jewelry(along with other items) added to a homeowner policy form.   There is an added cost, such $14 per thousand of value; however, then additional coverage's are added such as Mysterious Disappearance and there typically is NO DEDUCTIBLE.

For example. if a policyholder does NOT schedule/itemize a $4000 ring and the diamond falls out of ring  a standard homeowner policy provides NO coverage.  However, if the policyholder does mail the agent/producer copy of appraisal(no more than 3 yrs old) then the same loss IS covered.  We have clients with no items, others with 1 item and others with multiple pages of items.  Protecting valuable items is simply up to each policyholder, as there is simply no way an agent would know who owns what valuables.  

For more information please contact Flanigan Insurance at 314-727-6000 or email @ dflanflanins@yahoo.com 

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