Jewelry & Fine Art Insurance — Coverage Your Homeowners Policy Can't Provide
Standard homeowners and renters policies cover jewelry and fine art — but only up to sublimits that rarely reflect actual value. Scheduled personal articles coverage insures each piece for what it's actually worth, with broader protection and fewer exclusions.
What independent advice means for specialty coverage.
Most people assume their homeowners policy adequately covers their jewelry, art, and collectibles. It doesn't. Standard policies cap jewelry coverage at $1,000–$2,500 and fine art at $2,500–$5,000 — regardless of what you own. A single piece can easily exceed those limits.
Scheduled personal articles coverage insures each item individually at its full appraised or agreed value — no sublimits, no depreciation, and typically no deductible. It also covers risks excluded from homeowners policies, including mysterious disappearance and accidental breakage.
As independent advisors, Your Policy works across multiple carriers to find scheduled coverage that fits your collection — whether you have a single engagement ring or a significant art and collectibles portfolio.
What sets scheduled coverage apart
- Each item insured at its full appraised or agreed value
- No sublimits — homeowners jewelry caps rarely cover real values
- Mysterious disappearance covered — most homeowners policies exclude this
- Accidental breakage coverage for fine art and fragile items
- Worldwide coverage — your items are protected anywhere
- No deductible on most scheduled items policies
- Annual appraisal review to keep coverage current with market values
What's covered.
Scheduled personal articles coverage goes well beyond what any homeowners policy provides — for jewelry, fine art, and collectibles of every kind.
Scheduled Jewelry Coverage
Individual scheduling of rings, watches, necklaces, and other jewelry at full appraised value. Covers theft, loss, mysterious disappearance, and accidental damage — far broader than any homeowners sublimit.
- Engagement and wedding rings
- Fine watches and timepieces
- Estate and antique jewelry
- Loose stones and precious gems
Agreed Value Coverage
Agreed value policies pay the stated amount at loss — no depreciation, no dispute about current market value. Essential for high-value pieces where replacement cost can shift significantly over time.
- No depreciation at claim
- Pays full scheduled amount
- No coverage dispute at loss
- Requires current appraisal
Worldwide Protection
Scheduled coverage follows your valuables wherever you go — travel, storage, on consignment, or at exhibition. Standard homeowners policies often restrict or exclude off-premises coverage.
- International travel coverage
- On consignment protection
- Safe deposit box coverage
- Transit and shipping coverage
Fine Art Insurance
Scheduled coverage for paintings, sculpture, photography, prints, and other original works. Covers physical damage, theft, and transit — including works on loan, at exhibition, or in conservation.
- Original paintings and drawings
- Sculpture and mixed media
- Photography and prints
- Works on loan or exhibition
Collectibles & Antiques
Coverage for antiques, rare books, wine collections, sports memorabilia, coins, stamps, and other collectible categories — each scheduled at current market or agreed value.
- Antiques and decorative arts
- Rare books and manuscripts
- Wine and spirits collections
- Sports memorabilia and cards
Accidental Breakage
Standard homeowners policies exclude accidental breakage of fragile items. Scheduled coverage for fine art and antiques typically includes breakage — critical for sculpture, ceramics, and glasswork.
- Ceramic and porcelain coverage
- Glass and crystal protection
- Sculpture breakage included
- No deductible on most policies
Frequently Asked Questions
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Yes — but only up to its sublimit, which is typically $1,000–$2,500 for jewelry and $2,500–$5,000 for fine art regardless of what you own. Homeowners policies also exclude mysterious disappearance — one of the most common ways jewelry is lost. If a piece is worth more than those limits, or you'd want it covered if it simply disappeared, scheduled coverage is the right answer.
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Scheduled personal articles coverage is typically very affordable relative to the value it protects — often 1–2% of the item's value annually. A $10,000 engagement ring might cost $100–$200 per year to schedule. We'll quote your specific items across multiple carriers to find the best rate.
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For most jewelry and art, yes — a current appraisal establishes the value for coverage purposes. We can advise on appraisal frequency and what qualifies. For some items, a purchase receipt or manufacturer's certificate is sufficient.
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Mysterious disappearance means an item is gone and you don't know how — it wasn't stolen (no signs of theft), it wasn't lost in a specific incident. Standard homeowners policies exclude this. Scheduled personal articles policies typically cover it. It's one of the most important distinctions between the two coverage types.
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Yes — scheduled fine art coverage typically follows the piece wherever it goes, including on loan, at exhibition, in transit, or with a conservator. We'll review the specific terms when structuring coverage for loaned or exhibited works.
Protect what your homeowners policy won't.
Scheduled personal articles coverage is straightforward and affordable. Let Your Policy advisors find the right coverage for your jewelry, art, and valuables.
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