Will homeowners insurance cover my wedding rings that were stolen?

Question

Will homeowners insurance cover my wedding rings that were stolen?

Answer 1

jewelry is coverage for theft to a specific amount depending on the state you live in and the type of policy.  its usually between $1000-1500.  If you had it scheduled onto your policy at full value then it would be covered to the full amount.

Answer 2

You need to ask your insurance agent, or read over your policy for a definite answer.  However, I borrowed an emerald & diamond ring from my mom.  It was stolen from my home, not hers.  The insurance company paid her for it.

Answer 3

Jewelry only has limited coverage unless you purchased a separate rider and provided an appraisal of it.  Otherwise, no.

Answer 4

Yes that is covered under your contents coverage portion of your policy. BUT if the rings exceed the amount of that coverage you are screwed unless you added a jewelry rider with an appraised value. Call your agent and get it squared away.

Answer 5

Yes it will up to a certain amount which is listed in your policy jacket. You would have needed to list or "schedule" it as valuable personal property if it is of high value. Call your agent and ask what the limit is and if it is subject to your deductible...

Answer 6

Does the homeowners policy include theft?  And how much were the rings worth?

The standard homeowners includes a LIMITED amount of coverage for jewelry - usually $1200.   You can also specifically insure jewelry, so it covers higher values - but it costs more.  Some policies won't cover theft, or will only cover theft on premises.

But we have no way of knowing what TYPE of homeowners policy you're talking about.