Valuable items insurance
Your home policy limits don't cover your jewelry and collectibles. This specialized policy does cover their real value.
Coverage options
Jewelry and watches
Engagement rings, necklaces, bracelets and luxury watches with agreed value or appraised value coverage.
Why choose Auto International
No depreciation on loss
Agreed or appraised value is what you receive. Not depreciated market value.
Worldwide coverage
Your valuable items are covered at home, while traveling and anywhere in the world.
No deductible in many cases
Many valuable items policies have zero deductible, unlike homeowners insurance.
Mysterious disappearance included
If you lose a ring or valuable item without knowing exactly where, many policies still cover it.
Frequently asked questions
Does my homeowners insurance already cover my jewelry?
Homeowners insurance covers jewelry, but with very low limits (typically $1,000–$2,500 for theft). If your jewelry is worth more, you need a valuable items rider or separate policy.
Do I need an appraisal to insure my jewelry?
For high-value jewelry, yes it's recommended. The appraisal establishes the agreed value in your policy. We guide you through the process.
