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

Under a homeowners policy, the coverage limit for theft of jewelry is typically set at $1,500. This amount reflects the standard limit imposed by many insurers within a homeowners policy for specific categories of personal property, including jewelry, watches, and semi-precious stones. It is important for policyholders to understand that this limit may not cover the full value of high-end jewelry or collections, which is why supplemental coverage or a scheduled personal property endorsement may be recommended to provide additional protection.

The specified limit helps maintain affordability in premiums while also managing the insurer's risk. Homeowners should always check the specific details of their policy, as limits can vary by insurer and based on the specifics of the coverage selected.