Is jewelry covered under homeowners insurance? Yes, jewelry is typically covered under homeowners insurance. However, every home insurance company treats valuables coverage differently. According to the III, many home insurance companies only include $1, 500 in jewelry coverage with standard policies. For renters insurance, the limit could be even lower. It's a good idea for the insured to determine what their specific policy includes and look into scheduled personal property coverage or other endorsements if more coverage is needed.
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