Is my jewelry covered if it's inside my house that I've insured?

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A: Personal property, including jewelry, is covered anywhere in the world including inside your home BUT it is important to note that standard Homeowners policies often will NOT cover jewelry or watches that are simply lost or misplaced because “mysterious disappearance” is usually excluded. However, jewelry and watches are generally limited to between $1,000 and $5,000 aggregate by most homeowner policies. If you own jewelry in excess of those limits, you can purchase a rider within your policy to have the limits increased to meet your needs. And, don’t worry, you can purchase coverage for mysterious disappearance by adding an endorsement to your policy. Ask your agent for details.

Answered by Garrity Insurance

Please Note: This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, including American Commerce Insurance CompanySM (Cal. COA 4928-8), Citation Insurance Company^SM, The Commerce Insurance Company^SM, Commerce West Insurance Company^SM (Cal. COA 1372-2), MAPFRE Insurance Company^SM (Cal. COA 3039-5), and MAPFRE Insurance Company of Florida^SM.

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