Coverage Guide
Jewelry Insurance Guide
Floater coverage and homeowners limits
Jewelry Rate Factors
| Type | Description | Rate Factor |
|---|---|---|
| Engagement Ring | Diamond rings | ×1 |
| Luxury Watch | Rolex, Omega, etc. | ×1.3 |
| Necklace/Pendant | Gold, diamond chains | ×0.9 |
| Earrings | Diamond studs, hoops | ×0.85 |
| Bracelet | Tennis bracelets, bangles | ×0.9 |
Floater vs Homeowners
Standard homeowners jewelry limits: $1,000-$2,500
Homeowners Policy
$1,500 limit, theft only
Jewelry Floater
Full value, all perils, worldwide