Standard policies from major homeowners and renters insurance companies typically offer some coverage for jewelry, often up to $1,500.

If you don’t have homeowners or renters insurance, or that’s not enough to cover your jewelry, you can:

Add special jewelry coverage to your home or renters policy, usually called a “scheduled” floater, rider or endorsement. These policies require you to itemize specific pieces of jewelry, along with their replacement values. They typically have higher coverage limits than standard homeowners or renters policies, as well as coverage for more circumstances, and they often don’t charge a deductible.

Buy a more comprehensive policy through a jewelry-only insurance company. Some insurers offer jewelry insurance as a stand-alone policy, and some specialty companies sell only jewelry insurance.

Pricing and discounts

The price of a policy can be influenced by:

• Your location
• The number of pieces you’re insuring and their individual values
• Your deductible
• Whether your policy reimburses actual value (the cost minus depreciation) or replacement value (the cost to replace it today)

Some policies require an appraisal before providing the final quote.