[123Blueface]

Originally Posted by Bulldozer

I just learned that my property insurance (Assurant through Geico) only covers up to $1,000 of jewelry loss no matter the personal property coverage.

What do you all do? Do you buy individual jewelry coverage? This seems expensive at 1-2% of the watch cost per year.

Or, have you found a home/renters insurance policy with much higher limits on jewelry coverage?

Or, do you just put watches you don't currently use in a bank safe, and "self-insure" the ones in your current rotation?

Many carriers can allow you to raise the limits in increments of $1,000 but very important to note that basic insurance jewelry coverage on a HO or Renters policy is NOT all risk. It’s subject to one of the listed named perils. Not only that but property away from the insured premises is limited to 10%.

You have to do a rider/floater, specifically named coverage to be afforded all risk protection, to include mysterious disappearance. Whatever the added cost, worth the peace of mind.