Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.If you own jewelry worth more than your policy limit, you may need to add a floater policy or purchase personal jewelry insurance.
Policygenius can help you compare homeowners insurance policies to find the right coverage for you, at the right price » Another option is to purchase personal jewelry insurance. Bryan Howard, director of product management for, told Business Insider that unlike a homeowners policy, "a standalone jewelry policy is a comprehensive, all perils policy, meaning it covers every type of loss unless specifically excluded."