What doesn't a rider to my homeowners insurance cover?
Depending on your policy, a rider may leave out coverage for disappearance, one of the most common causes of jewelry loss. A jewelry rider also won't have:
- Assurance that a claim won't affect coverage on your house and everything in it
- The promise to work with your jeweler, the one whom you already know and who knows your jewelry
- Jewelry experts to help you through the process
| See How We Compare | Jewelers Mutual Group | Typical Homeowners | Typical Rider |
|---|---|---|---|
| Loss |  |
 |
|
| Theft | |
|
|
| Damage | |
Not always covered | Not always covered |
| Disappearance | |
|
|
| Flood or Earthquake | |
Not always covered | Not always covered |
| Worldwide Travel | |
|
|
| Out-of-Pocket Cost | $0 deductible option | Homeowners deductible applies | May have a deductible |
How do I know if my jewelry is worth insuring?
If your piece was ever lost, broken, or stolen, would you be upset or unable to pay for a replacement? If the answer is yes, then it’s valuable enough to insure.
The first step is getting a free quote to see the cost of peace of mind that comes with protecting your precious jewelry.
Is my jewelry covered when I travel worldwide?
Yes – you’re covered when you travel if it’s a covered type of loss (see “What’s Covered?”). But your primary home must be within the US or Canada (excluding Québec).
