Jewelry
Jewelry Insurance in Florida
From engagement rings to heirloom watches, your most treasured pieces deserve protection that sparkles.
In Florida, where heat, humidity, travel, and even hurricane evacuations can increase the risk of damage or loss, it’s smart to make sure your jewelry is properly insured. Homeowners and renters policies may provide some coverage but not nearly enough for high-value items.
At Ted Todd Insurance, we help you go beyond the basics. Whether it’s a single piece or a full collection, we’ll walk you through your options and help you protect what matters most.
Why Jewelry Insurance Matters
Here’s the reality: most standard homeowners or renters policies cap jewelry coverage between $1,000 and $2,500 per item and only for specific perils like theft. That’s not nearly enough if you own a diamond ring, gold necklace, Rolex, or a full collection.
Dedicated jewelry insurance (also called a scheduled personal property endorsement or a standalone policy) gives you much broader protection, including:
- Accidental loss (like dropping your ring down the drain)
- Mysterious disappearance (you lost it—but you're not sure how or where)
- Damage from daily wear or a sudden accident
- Theft—even if it happens while traveling
What Does Jewelry Insurance Cover?
- Worldwide Coverage
Your coverage follows you whether you’re on vacation in Europe, visiting family in another state, or running errands around Florida. - Loss, Theft, and Disappearance
Covers more than just burglary. If your necklace vanishes during a move or your engagement ring slips off at the beach, you’re protected. - Damage
Did your diamond chip? Did the clasp break? Many jewelry policies cover repairs or full replacement for damage even from wear and tear. - No Deductible Options
Unlike your homeowners deductible (which can be thousands), many jewelry policies let you choose zero-deductible coverage. That means no out-of-pocket surprise if you need to file a claim. - Appraisal-Based Coverage
Your pieces are insured based on appraised value, so you’re not stuck with vague or outdated estimates. If the value increases, we’ll help you update your policy.