for the irreplaceables.
Homeowners and renters policies cap jewelry, art, instruments and collectibles at small limits — often $1,500 — with theft-only triggers. Scheduling valuables covers full appraised value against loss, damage and mysterious disappearance.
10+ carriers compared
jewelry & valuables insurance, done right.
full appraised value
The ring is insured for what it's worth, not a policy's afterthought sub-limit.
all-risk coverage
Lost down the drain counts. Standard policies require a burglar; scheduled items don't.
no deductible options
Many scheduled-item claims pay first dollar.
good to know, colorado edition.
Engagement ring math: roughly $1–$2 per $100 of value per year. A $10,000 ring protects for about $100–$200 annually — get the appraisal, send us a photo of it, done in a day.
price it for me →
asked constantly.
Isn't my ring covered by homeowners insurance?
Up to a small sub-limit and only for certain causes. The classic heartbreak — a stone lost from its setting — isn't covered at all without scheduling.
What do you need from me?
A recent appraisal or purchase receipt. We add the item to your policy or write a standalone valuables policy, usually same-day.
What else can be scheduled?
Watches, art, instruments, cameras, firearms, collectibles, furs — if it would hurt to lose and exceeds policy sub-limits, schedule it.
two minutes to real numbers.
Free jewelry & valuables insurance comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.