What is the coverage limit for jewelry under a homeowners policy in case of theft?

The coverage limit for jewelry under a standard homeowners insurance policy in the event of theft is typically $1,500. This amount is a common limit placed on specific types of personal property, including jewelry, as a precaution against loss or theft, which can often occur with high-value items. The limit reflects the insurer's balance between covering a reasonable amount of risk while managing potential losses from higher-value claims.

Jewelers, artwork, and other collectibles may require additional coverage or a separate endorsement to fully protect their value, as these items often exceed the standard limits set in most homeowners policies. Therefore, homeowners with valuable jewelry might consider scheduling their items under a rider or endorsement to ensure they are fully covered beyond the typical $1,500 limit.