💎 Jewelry & Fine Art Insurance

Your most precious
things deserve real coverage.

Most homeowners policies cap jewelry coverage at $1,500. A specialty floater covers your full appraised value — at home, traveling, anywhere in the world.

✓ Full Appraised Value✓ Worldwide Coverage✓ No Deductible Options✓ Mysterious Disappearance

Specialty Carriers We Work With

ChubbBerkley OneJewelers MutualPure InsuranceCincinnati Insurance+ 6 more

✦ Free & No Obligation

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Why It Matters

Coverage built for
what you actually own.

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$1,500 Is Not Enough

Standard homeowners policies limit jewelry coverage to $1,500–$2,500. A $10,000 engagement ring? A $30,000 watch collection? You're dramatically underinsured. A scheduled jewelry floater covers the full appraised value with no sublimits.

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$1,500

Maximum most homeowners policies cover for all jewelry combined — often far below what you own

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Worldwide Coverage

Your ring doesn't stay home. Jewelry floaters cover your items anywhere in the world — traveling internationally, at a hotel, at a restaurant. All included.

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Mysterious Disappearance

Noticed your ring is gone but don't know where or how? "Mysterious disappearance" is covered under specialty floaters — something standard policies explicitly exclude.

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Fine Art — Agreed Value, No Depreciation

Art doesn't depreciate — it often appreciates. Specialty fine art policies insure at agreed value based on current appraisal, cover damage during transit and loans, and include restoration coverage for partial damage.

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Coverage Breakdown

What your policy
actually covers.

Coverage Type	What It Covers	Status
Scheduled Coverage	Each item insured separately at full appraised value	Core Coverage
Mysterious Disappearance	Coverage if item is lost with no known cause	Included in Most Floaters
Worldwide Coverage	Coverage anywhere in the world, 24/7	Standard with Floaters
Breakage Coverage	Accidental damage — stone falling out, bent prong	Optional Add-On
No Deductible Option	Some carriers offer $0 deductible on floaters	Available
Art — Transit Coverage	Fine art insured during transport and loans to galleries	Recommended for Art
Appreciation Rider	Policy value increases with market value annually	Optional for Fine Art

Client Stories

Real people.
Real coverage that paid off.

★★★★★

Huge relief

"My homeowners policy only covered $1,500 total for my $18,000 watch collection. CoverGuard set me up with a Chubb floater the same day. Each piece is now scheduled individually. Should have done this years ago."

Kevin N.

Watch Collector · Whittier

★★★★★

Peace of mind

"My ring went missing during a trip. The mysterious disappearance coverage meant I was reimbursed for the full appraised value. I'm still amazed how smooth the claim was."

Maria R.

Engagement Ring

FAQ

Your questions,
answered.

Do I need a separate appraisal for a jewelry floater? +

For higher-value items, yes — most carriers require a certified appraisal within the past 3–5 years. For engagement rings purchased recently, a sales receipt is often sufficient. We'll guide you on exactly what each carrier requires.

What is a "floater" or "rider"? +

A floater (also called a scheduled personal property endorsement or rider) is an add-on to your homeowners policy or a standalone policy that schedules specific valuable items with individual coverage limits and broader coverage terms than the base policy.

Is jewelry covered on my homeowners policy already? +

Yes, but typically with a sublimit of $1,500–$2,500 for all jewelry combined, and with exclusions for mysterious disappearance. A floater removes the sublimit and adds coverage your base policy excludes.

How much does jewelry insurance cost? +

Jewelry floaters typically cost 1–2% of the item's appraised value annually. A $10,000 ring costs approximately $100–$200/year to insure with a specialty floater. Extremely reasonable given the replacement cost.

Your most preciousthings deserve real coverage.