A standard homeowners or renters policy covers your belongings, but it puts a special sub-limit on jewelry theft — frequently around $1,500 total — and it won't pay at all for a lost or simply misplaced ring. If you own an engagement ring, a fine watch, or an inherited piece, that leaves a real gap. Scheduling your valuables on a personal-articles floater closes it. Maru arranges valuable-articles coverage so your most important items are protected for what they're actually worth.
Why schedule your valuables
| Feature | Standard home/renters | Scheduled floater |
|---|---|---|
| Jewelry theft limit | Low sub-limit (often ~$1,500) | Full appraised/agreed value |
| Lost or misplaced item | Not covered | Covered |
| Accidental damage | Limited | Covered |
| Deductible | Your policy deductible | Often $0 |
| Coverage away from home | Limited | Typically worldwide |
What you can schedule
Beyond engagement rings and watches, a valuable-articles policy can cover fine art, furs, cameras and photography gear, musical instruments, collectibles, firearms, silverware, and wine collections. Items are usually insured on an agreed-value or appraised-value basis, so there's no argument about worth at claim time. We help you gather appraisals or receipts and set the right values so a loss is made whole.
How it works with your other coverage
A floater sits alongside your homeowners or renters policy rather than replacing it — your everyday belongings stay covered under the base policy, while high-value items get broader, low-deductible protection on the schedule. It's inexpensive relative to the value it protects, and bundling it with your home and auto often earns an additional discount. We'll structure the whole household program together.
Frequently asked questions
How much jewelry does my homeowners policy actually cover?
Do I need an appraisal?
Does scheduled coverage protect me if I lose a ring?
Is my jewelry covered while I'm traveling?
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (License #22261820) representing multiple A-rated carriers across Washington and Florida.
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