1. 12689 POINTS
    Ted RatliffPRO
    Owner, SFS Associates,
    If the jewelry is a scheduled item it would cover it in most cases.  Scheduling an item means that it is specifically listed on the policy for an appraised amount.  If you own expensive items it is always best to get them appraised and scheduled.  Jewelry is covered under a homeowners policy for specific perils, but only up to an aggregate limit.  Check with your agent and have him review your coverage with you.
    Answered on April 28, 2013
  2. 7647 POINTS
    Mark Bartlett CLCSPRO
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    Loss is not a covered peril of a homeowners policy. To cover loss an item should be scheduled on either on a homeowners policy or a separate policy can be purchased. This type of coverage could pick up a loss under the coverage mysterious disappearance. I recommend anyone with jewelry in value over $1,500 to consult their agent.
    Answered on April 28, 2013
  3. 617 POINTS
    Waltere Koti
    Principal Agent, First Insurance Agency Inc, United States
    Lost diamond is not generally covered on a homeowners policy. To cover lost diamond on a home owners policy it has to be schedule. Scheduling an items means that the item has to identified by name and assigned its worth by a dollar amount. Just like fur coat and other expensive items are not covered, diamond is not covered.
    Answered on June 19, 2015
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