Get a free quote
Jewelry Floater Insurance - Let us find your best coverage - schedule rings, watches and fine jewelry
A jewelry floater insures engagement rings, watches and fine jewelry for their appraised value against loss, theft and damage. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Jewelry Floater Quote Request
Applicant Information:
Have these handy
- Appraisals, receipts or photos for each item
- Where items are kept and how they're secured
- Current homeowners declarations page
- Recent jewelry appraisals (within 3-5 years)
Related coverage
Coverage details
What Jewelry Floater coverage includes
A jewelry floater, also called a scheduled personal property endorsement or valuables policy, insures each piece of jewelry for its appraised value. Standard homeowners and renters policies cap theft of jewelry at a small amount and do not cover a lost stone or a ring dropped down the drain. A floater covers those situations, usually with no deductible, anywhere in the world.
- All-risk coverage - Loss, theft and accidental damage, not just named perils.
- Mysterious disappearance - A stone lost from its setting or an item misplaced.
- Worldwide - Coverage at home, in storage and while traveling.
- No deductible options - Many floaters carry a $0 deductible.
- Repair or replace with a jeweler of your choice - Settlement options that respect the piece.
Good to know: homeowners policies limit theft of these items to a small amount, often $1,500 to $2,500, unless they are scheduled.
Not covered: wear and tear and gradual damage.
Insurance Application:
Jewelry Floater
Required forms
Jewelry Floater Supplemental Application (PDF)
Collections supplements (add any that apply)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Valuables explained
How valuables coverage works
Scheduled coverage lists each item and its value, so claims are paid based on that amount rather than the low limits in a homeowners policy.
All-risk coverage
Loss, theft and accidental damage, not just named perils.
Mysterious disappearance
Coverage when an item is simply lost, or a stone falls out of its setting.
Worldwide
Coverage at home, while traveling and in a safe deposit box.
Repair or replace
Settlement through a jeweler you choose, or cash, depending on the policy.
Keep appraisals current. Precious metal and gem prices change. Update appraisals every three to five years so your scheduled value keeps pace with replacement cost.
Collections
What you can insure
Common scheduled items
- Engagement rings and wedding bands
- Watches
- Fine art and sculpture
- Furs
- Silverware and china
- Coins, stamps and collectibles
- Musical instruments
- Cameras and equipment
What to provide
- A recent appraisal or receipt for each item
- Photos of each piece
- Where items are kept and any safe or alarm
- For collections, an inventory with values
Large collections may be better insured with a standalone collections policy offering blanket coverage, automatic coverage for new purchases and breakage protection.
Valuables options
Find the right valuables coverage
Start with the jewelry floater application, then add coverage for other collections.
Collections
Related coverage
This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.