Title: Do You Need Extra Coverage for Jewelry and Valuables? Author: Teresa Kitchens Published: January 13, 2026 Last modified: December 7, 2025 --- # Do You Need Extra Coverage for Jewelry and Valuables? ### **Why Extra Coverage Matters** If you’ve ever looked at your wedding ring, grandmother’s necklace, or a high-end laptop and wondered if it is fully covered under your insurance, you are not alone. Many homeowners assume standard policies protect everything, only to discover limits on valuable items. Sterling Insurance Group works with families across **Plano, McKinney, Allen, Prosper, Celina, and Richardson** to identify coverage gaps and provide solutions. --- ### **What a Standard Homeowners Policy Covers** Personal property coverage generally pays for belongings damaged or stolen after events such as: * Fire * Theft * Storm damage * Vandalism This typically includes clothing, furniture, electronics, and jewelry—but coverage limits may be low. --- ### **The Catch: Sub-Limits on Valuables** Many carriers cap payouts for certain items: * Jewelry: $1,500–$2,500 total * Firearms: $2,500–$3,000 * Silverware: $2,500 * Artwork or collectibles: $1,000–$2,500 * Electronics: $2,500 A $12,000 diamond ring may only be reimbursed for $1,500 without additional coverage. Scheduled personal property coverage addresses this gap. --- ### **What Is Scheduled Personal Property Coverage?** Scheduled coverage is a rider or “floater” added to your homeowners or renters policy. Each high-value item is listed individually with its appraised value. **Benefits:** * Full coverage for each listed item * Protection for accidental loss, not just theft or fire * Often no deductible applies **Examples:** * Diamond earrings slip down the sink: covered * Prized guitar damaged during a move: covered * Wedding ring lost while swimming at Lake Lewisville: covered --- ### **What Items Should Be Scheduled?** Any item that would be financially or emotionally painful to replace: * Engagement and wedding rings * Watches * Antiques and family heirlooms * Designer handbags * Musical instruments * Fine art or collectibles * Firearms * High-end electronics or drones * Coin or stamp collections --- ### **How the Process Works** 1. Appraise or document the item (recent appraisals within 3–5 years are ideal). 2. Provide documentation to your agent to add the item as a rider. 3. Review annually to ensure coverage reflects current values. --- ### **Local Example** A client in **Plano** had a $10,000 wedding ring and a $3,500 cello. Sterling Insurance scheduled both items. When the ring was stolen, she received the full appraised amount without paying a deductible, replacing it within two weeks. --- ### **Renters in the Dallas Suburbs** Renters insurance often has even lower sub-limits. If you rent in **Richardson, McKinney, or nearby**, you may want to: * Increase policy limits * Add a personal articles floater Sterling Insurance helps renters protect valuables efficiently without overspending. --- ### **Cost of Extra Coverage** Riders are surprisingly affordable: $1–$2 per $100 of the item’s value annually. A $6,000 ring could cost as little as $60 per year. --- ### **What Isn’t Covered** Scheduled items still have exclusions: * Wear and tear * Manufacturer defects * Intentional damage * War or nuclear hazard Sterling Insurance reviews these exclusions carefully to avoid surprises. --- ### **Why Work With Sterling Insurance Group** As a local, independent agency, Sterling Insurance offers: * Knowledge of Texas risks like storms, theft, and fire * Access to multiple top-rated carriers * Personal guidance, not cookie-cutter solutions * Hands-on support if you need to file a claim --- ### **Final Thoughts** If losing an item would hurt financially or emotionally, it deserves more than bare- minimum coverage. Scheduled personal property coverage ensures your valuables are fully protected. --- ### **Contact Sterling Insurance Group** 📍 Serving Plano, McKinney, Allen, Prosper, Celina, and Richardson 📞 **Phone:**( 972) 964-4825📧 **Email:** info@sterlinginsnow.com🌐 **Website:**[ www.sterlinginsnow.com](https://www.sterlinginsnow.com/) #### Would You Like Us To Review Your Policies? * Are you a current client of our agency?* - Yes - No * What policy number(s) do you need help with if available? * | | [](https://www.sterlinginsnow.com/do-you-need-extra-coverage-for-jewelry-and-valuables/void(0);?output_format=md) [](https://www.sterlinginsnow.com/do-you-need-extra-coverage-for-jewelry-and-valuables/void(0);?output_format=md) | * What is the nature of your inquiry?* - General Question - ID Card Request - Policy Change Request - Discuss A Claim - Certificate of Insurance * Describe your policy change request * What date do you need this policy change/request to take effect?* * DD slash MM slash YYYY * Which vehicle do you need an ID card for (please enter year, make, and model)? * | Year | Make | Model |   | | | | | [](https://www.sterlinginsnow.com/do-you-need-extra-coverage-for-jewelry-and-valuables/void(0);?output_format=md) [](https://www.sterlinginsnow.com/do-you-need-extra-coverage-for-jewelry-and-valuables/void(0);?output_format=md) | * Your Name* * First Last * Your Email* * Your Phone* * Please list the Additional Insured and/or Certificate Holder * Additional Insured and/or Certificate Holder Address * Street Address Address Line 2 City State / Province / Region ZIP / Postal Code * Details regarding your question, policy change, claim or other request:* * hCaptcha ### Request Your Proposal Here Are you ready to save time, aggravation, and money? 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