Adding jewelry to a home insurance policy

[@YoungHydra]

If I got my jewellery(rings) scheduled onto my home insurance, is it only insured if I keep it at home or is it still covered if im wearing my rings and lose them or if they get stolen? Or do I have to keep them at home?

[@ThinkInsurance]

You can verify it by reading your declaration's page for the endorsement but I don't know a company that does it any different. I would expect it to be covered anywhere you go. Typically a home policy will cover even theft at a hotel or if you lose it swimming etc...

[@KennyJTV]

Great video! Do you write a lot of personal article floater policies? Therefore if they have a loss relating to their jewelry they don’t have to file a claim with their HO insurance.

[@ThinkInsurance]

Not very often but yes, having it insured separate from your home policy may be smart for only one or two valuable items. It depends on the company and if they rate jewelry claims against you.