What If The Only Thing In Your Jewelry Box Were Your Tears? Written by April McBriarty-Weismann on 2/23/2012 7:47 AM . It has 0 Comments. Whether you have a jewelry box bursting with rings, bracelets and necklaces or simply have a cherished ring or necklace, you need to understand how your insurance will respond if you have a claim before a claim! Did you know that many standard homeowner’s policy will provide you with up to only $1,000 if all of your jewelry were stolen? This is not a per piece limitation, but for all of the jewelry you own. Did you know that if you misplace an earring or other jewelry there is no coverage? Most homeowner’s policies cover your property for certain causes of loss and losing something is not one of them. Theft is covered, but in order to collect for theft, most insurance companies require that you submit a police report. How can you obtain more coverage than $1,000 and cover it for almost anything? Schedule it! A schedule is typically a coverage that is added right onto your homeowner’s policy and includes an itemized list of each item you want covered. The benefits of a schedule include: Jewelry that is scheduled is covered for almost anything that could happen to it including a stone falling out or mysterious disappearance. Any item scheduled is not included in the stolen jewelry coverage limitation. The specifics of a scheduled item are on record before a claim happens. This is helpful because if you file a claim you are required to provide the company with the details of every item involved. Could you do this without an appraisal? There is no deductible for a scheduled item. Coverage is worldwide. Now that you are convinced that you need a schedule, what do you do next? Contact HPM Insurance in New Hampshire and we can walk you through the simple steps of getting your jewelry insured and giving you peace-of-mind.