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Does Homeowners Insurance Cover Theft Outside the Home?

Just like a Business Owner’s Policy (BOP) combines multiple categories of protection into a single policy, typical homeowners insurance covers three major categories:

  • Structure – Protects your home’s roof, walls, foundation, etc.;
  • Liability – Protects you from lawsuits in the event a third party experiences injury, damage, or loss (i.e. your dog bites someone or your neighbor slips and falls on your stairs);
  • Personal property – Protects your belongings (i.e. anything you would take with you when you move) against damage and/or theft.

It is this last category—theft—that often raises questions, even among veteran homeowners.

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Do I Need to Insure My Jewelry?

Do I Need to Insure My Jewelry?

Wedding insurance is a great way to make sure the Big Day goes off without a hitch. But what about protecting your investments after your wedding? Have you thought about engagement ring insurance for that gorgeous rock?

Or perhaps you’re not married, but you have other valuable items of jewelry to protect. Maybe an antique brooch from your grandmother or a pocket watch from your great-great-grandfather. Jewelry is expensive and—in the case of heirlooms—often irreplaceable. But having jewelry coverage on your gems, gold, and other precious metals can help if your engagement ring is lost.

In this article, we’ll go over some of the more common questions that you may have about getting jewelry insured. 
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