Does homeowners insurance cover lost jewelry?

Answer 1

it may, but this is considered a highly suspicious claim, potentially fraudulent, and any theft claim on any type of policy is not only setting yourself up for nonrenewal, but also you will not likely be able to change to another insurance company for three (3) years after filing such a claim (until it comes off your record). Reserve your policy for major losses; those you could not recover from without insurance. Don't risk losing your coverage, especially if you are with a 'preferred', major insurer where you will get the lowest rates, for incidental claims. Comment: Not a great answer. People lose jewelry all the time. I personally have over 50K of my jewelry insured under my home owner's not only for if my home is robbed or burned down, but if it is lost. A claim for lost jewelry is not "highly suspicious" so the above is not such a great answer.