💎 Coverage for Jewelry, Furs, Silverware, and Guns
What It Does:
This coverage helps pay for the loss, theft, or accidental misplacement of certain high-value personal items — which are often limited or excluded under standard homeowners policies.
✅ What’s Covered
- Theft, loss, or mysterious disappearance of:
- Jewelry (e.g., rings, watches)
- Furs
- Silverware and similar valuables
- Firearms
- Coverage applies inside or outside your home (e.g., at a hotel or while traveling)
- $3,000 max per item
🚫 What’s Not Covered
- Items that are lost due to negligence or wear and tear
- Intentional loss
- Items exceeding the per-item or total coverage limit (unless you schedule them separately)
💡 Real-Life Example
You misplace your engagement ring while on vacation, or a thief steals your silver set from your dining room cabinet. This coverage helps reimburse you for the lost or stolen items, up to your policy’s limit.
💵 Coverage Limits (Per Item):
- $3,000 (Basic)
- $5,000 (Plus)
- $10,000 (Select)