Will our renter’s insurance pay for lost/stolen jewelery?

Whether or not your renter's insurance will cover lost or stolen jewelry will depend on the specific policy that you have. Some renter's insurance policies may provide coverage for jewelry theft, while others may not. In general, most renter's insurance policies will provide coverage for personal property, including jewelry, up to a certain dollar amount. This amount will vary depending on your policy, but it is typically around $1,000 to $2,000 for jewelry coverage. However, there may be certain limitations or exclusions to this coverage. For example, some policies may have exclusions for certain types of jewelry, such as high-value items like diamonds or antique pieces. Additionally, some policies may only provide coverage for jewelry if it is stolen or lost due to a covered event, such as a burglary or fire. If you have valuable jewelry that exceeds the coverage limit of your renter's insurance policy, you may need to purchase additional coverage through a scheduled personal property endorsement or floater policy. It's important to carefully review the terms and conditions of your renter's insurance policy to understand what is covered and what is not. If you have any questions or concerns, you should contact your insurance provider or agent for more information.