{"id":41197,"date":"2026-09-03T13:25:54","date_gmt":"2026-09-03T17:25:54","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=41197"},"modified":"2026-09-03T13:25:56","modified_gmt":"2026-09-03T17:25:56","slug":"is-your-jewellery-covered-by-home-insurance","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/is-your-jewellery-covered-by-home-insurance","title":{"rendered":"Is Your Jewellery Covered by Home Insurance?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/personal\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Is Your Jewellery Covered by Home Insurance?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-09-03T13:25:54-04:00\">September 3, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">11 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128\" alt=\"Keph Senett\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Keph Senett<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/09\/Is-Your-Jewellery-Covered-by-Home-Insurance.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/09\/Is-Your-Jewellery-Covered-by-Home-Insurance.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/09\/Is-Your-Jewellery-Covered-by-Home-Insurance.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/09\/Is-Your-Jewellery-Covered-by-Home-Insurance.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Is Your Jewellery Covered by Home Insurance? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/is-your-jewellery-covered-by-home-insurance\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/is-your-jewellery-covered-by-home-insurance\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">How does home insurance cover jewellery?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-how-does-home-insurance-cover-jewellery\">How does home insurance cover jewellery?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-can-i-get-additional-insurance-for-my-jewellery\">Can I get additional insurance for my jewellery?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-much-does-jewellery-insurance-cost\">How much does jewellery insurance cost?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-do-you-insure-jewellery\">How do you insure jewellery?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-safeguard-your-jewellery\">How to safeguard your jewellery<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-put-a-policy-on-it\">Put a policy on it<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel blog-article\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Imagine you\u2019re at the gym and put your wedding band in a locker before a workout. When you return, the locker has been broken into \u2014 and the ring is gone. After checking with staff, searching the change room, and retracing your steps, you realize it&#8217;s probably not coming back.<\/p>\n\n\n\n<p>It&#8217;s a heartbreaking moment. Beyond its monetary value, the ring represents memories, milestones, and a commitment that&#8217;s impossible to replace.<\/p>\n\n\n\n<p>Then comes another surprise: when you contact your insurer to file a claim, you learn your home insurance covers only a fraction of the ring\u2019s value. While <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-afc24ad2\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"home insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">home insurance<\/a> policies typically include coverage for jewellery, that protection comes with limits. Depending on what you own and how much it\u2019s worth, you could be underinsured.<\/p>\n\n\n\n<p>Whether it\u2019s an engagement ring, jewellery reserved for special occasions, or a treasured family heirloom, it\u2019s important to understand what your policy covers \u2014 and where gaps may exist. This article explains how to insure valuable jewellery, including what home insurance typically covers, when additional coverage may make sense, and what it could cost.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Home insurance \u2014 including homeowners, condo, and tenant insurance \u2014 typically includes some coverage for jewellery<\/strong>, but only up to certain dollar amounts for some types of losses.<\/p>\n<\/li>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>If you are adding higher-value items to your home insurance, you may be required to provide an appraisal.<\/strong> Most home insurance policies protect jewellery against certain risks, but not every type of loss is covered.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Valuable items such as engagement rings, luxury watches, and heirloom jewellery may be worth more<\/strong> than the coverage included in a policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>If the value of your jewellery exceeds your policy limits, you can usually purchase extra protection.<\/strong><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Reviewing your coverage regularly can help ensure your jewellery is protected<\/strong> as its value changes over time.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-home-insurance-cover-jewellery\">How does home insurance cover jewellery?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-f0b20c85\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Home insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Home insurance<\/a><\/a> in Canada typically includes jewellery as part of your content\u2019s coverage.\u00a0 Whether you carry <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/homeowners-insurance\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/homeowners-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-a80873bb\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"homeowners\u2019 insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">homeowners\u2019 insurance<\/a><\/a>, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/condo-insurance\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/condo-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-f8acaab8\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"condo insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">condo insurance<\/a><\/a>, or <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/tenant-insurance\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/tenant-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-abf84325\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"tenant insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">tenant insurance<\/a><\/a>, your policy generally protects jewellery against covered losses, but only up to a specified limit for some types of claims.<\/p>\n\n\n\n<p>Jewellery is usually covered when you have it away from your home, too. For example, if you wear your engagement ring on vacation, leave a watch in your car, or bring heirloom jewellery to a family gathering, your coverage may still apply, subject to your policy\u2019s terms and limits.<\/p>\n\n\n\n<p>One thing to note: if your jewellery is stolen from your vehicle, you typically make a claim through your home insurance \u2014 not your auto insurance policy.<\/p>\n\n\n\n<p>Coverage limits vary by insurer and policy. Home insurance policies often put a cap on how much they\u2019ll pay for jewellery claims, which means high-value items may not be fully covered. If the value of your jewellery exceeds your policy limit, you may need additional protection.<\/p>\n\n\n\n<p>For example, with RBC Insurance, jewellery is covered for all insured perils up to a specific amount under a home insurance policy. For valuable pieces, you can schedule those, at an additional cost &nbsp;<\/p>\n\n\n\n<p>For a closer look at what could be included in a policy, see <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-667d7b5f\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance\u2019s home insurance page\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Insurance\u2019s home insurance page<\/a><\/a> and guide to what personal property is covered in my home insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-contents-are-covered-by-your-home-insurance\">What contents are covered by your home insurance?<\/h3>\n\n\n\n<p>You might be wondering: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/what-personal-property-is-covered-in-my-home-insurance-and-what-is-not\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/what-personal-property-is-covered-in-my-home-insurance-and-what-is-not\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-3898a69c\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"What personal property is covered in my home insurance, and what is not?\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">What personal property is covered in my home insurance, and what is not?<\/a> Because it\u2019s important to note that some types of belongings are subject to special limits of coverage \u2014 meaning they&#8217;re only covered up to a specified maximum amount. Here are a few items that commonly fall under these special limits:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Jewellery, including watches and gems<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Collectibles<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Garden and yard equipment<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Bicycles and e-bikes<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Golf carts and equipment<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Coin collections<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Money, including cash cards or bullion<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Works of art<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>For items in each category, your home insurance may pay for the cost of loss or damage (after your deductible) after a covered event, up to a <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/special-limits\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/special-limits\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-1ca9d16a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"coverage limit\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">coverage limit<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-kinds-of-jewellery-claims-are-covered\">What kinds of jewellery claims are covered?<\/h3>\n\n\n\n<p>While coverage varies by policy, home insurance typically protects jewellery against a range of sudden and unexpected events, including:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Fire<\/strong>: If a fire damages or destroys your jewellery, your policy may help cover the loss, subject to your policy terms.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Theft: <\/strong>If someone breaks into your home or steals your jewellery from another covered location (like your vehicle), your policy may help cover the loss, up to your coverage limit.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Certain types of accidental damage: <\/strong>Some unexpected events, such as damage caused by a burst pipe, may be covered if they result from a covered peril.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-exclusions\">Exclusions<\/h3>\n\n\n\n<p>Home insurance is designed to protect against sudden and unexpected events, not every type of loss or damage. Here are a few situations where coverage may be out of bounds:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Vacant homes. <\/strong>If your items are stored in a home that\u2019s been vacant for more than 30 days, it may void your coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Wear and tear<\/strong>. Jewellery naturally ages over time. Scratches, worn prongs, fading finishes, and other signs of regular use aren\u2019t typically covered.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Intentional damage<\/strong>. If you or someone in your household intentionally damages or breaks an item, it won\u2019t be eligible for replacement.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Certain natural disasters<\/strong>. Depending on your policy, coverage for events, such as flooding or earthquakes, may require additional protection.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Loss or damage above the policy limit. <\/strong>Homeowners insurance covers jewellery up to a maximum (e.g. $6,000). Any claims beyond that limit aren\u2019t covered, unless you have previously increased your coverage.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-i-get-additional-insurance-for-my-jewellery\">Can I get additional insurance for my jewellery?<\/h2>\n\n\n\n<p>In many cases, yes. If your engagement ring, luxury watch, heirloom jewellery, or other valuables are worth more than <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/special-limits\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/special-limits\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-68dbed52\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"your special coverage limits\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">your special coverage limits<\/a>, additional protection may be available.<\/p>\n\n\n\n<p>If you want to bulk up your coverage, you can often purchase extra coverage, sometimes called <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/property-insurance-endorsements\/\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/property-insurance-endorsements\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-ede5ed45\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"endorsements\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">endorsements<\/a><\/a>, or you can specifically list the valuable article by scheduling it on the policy. With RBC Insurance, you can increase your coverage limits for jewellery, precious stones, and watches in the event of theft.<\/p>\n\n\n\n<p>RBC Insurance offers optional additional coverage on high net-worth policies when valuable items are specifically listed, or scheduled, on the policy. These benefits that may include:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Higher coverage amounts on your jewellery, handbags, furs, and more.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Additional protection if an item\u2019s market value is higher than the amount listed on your policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Reduced premiums for jewellery stored securely (e.g., in a bank vault).<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>No deductible for covered claims.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>To learn more about your options, <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\"><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-5de7a72e\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"book a consultation with a licensed RBC Insurance advisor.\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">book a consultation with a licensed RBC Insurance advisor.<\/a><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-does-jewellery-insurance-cost\">How much does jewellery insurance cost?<\/h2>\n\n\n\n<p>Like most types of insurance, the cost to insure valuable jewellery largely depends on your insurance provider, the value of the item, and the type of policy you choose.<\/p>\n\n\n\n<p>With RBC Insurance, you can increase your special limits coverage for jewellery, gems, and watches. Limits can vary, appraisals are sometimes required and coverage options differ by province and territory.<\/p>\n\n\n\n<p>To learn more about what it might cost, <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\"><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-659fc3d5\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"book a consultation with a licensed RBC Insurance advisor.\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">book a consultation with a licensed RBC Insurance advisor.<\/a><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-you-insure-jewellery\">How do you insure jewellery?<\/h2>\n\n\n\n<p>While the process varies by insurer, here are a few steps to take on the road to insuring your jewellery:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-take-inventory\">1. Take inventory<\/h3>\n\n\n\n<p>Take stock of what you own and what it would cost to replace. You may be surprised by how quickly the value adds up. If you have any of the following, it may be a good idea to explore increasing your coverage amount:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Wedding or engagement rings<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Collectibles or family heirlooms<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Precious gems or metals<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Luxury watches<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Jewellery collections<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-gather-your-paperwork\">2. Gather your paperwork<\/h3>\n\n\n\n<p>Start by pulling together any documentation you have, including receipts, certificates, appraisals, and detailed descriptions. Take photos or video of each piece, even of you wearing them. If you ever need to file a claim, these documents can help establish ownership and the value of your belongings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-get-a-professional-appraisal\">3. Get a professional appraisal<\/h3>\n\n\n\n<p id=\"h-3-get-a-professional-appraisal-for-valuable-pieces-a-professional-appraisal-is-worth-the-investment-look-for-an-accredited-appraiser-through-the-canadian-jewellers-association\">For valuable pieces, a professional appraisal is worth the investment. Look for an accredited appraiser through the <a href=\"https:\/\/canadianjewellers.com\/\"><\/a><a class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" href=\"https:\/\/canadianjewellers.com\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-HomeInsurance-41197-049b5bfd\" data-dig-label=\"Canadian Jewellers Association\" data-dig-action=\"link click\" data-dig-category=\"LP-HomeInsurance\">Canadian Jewellers Association<\/a>.<\/p>\n\n\n\n<p>An appraisal should include details such as the number of carats, cut and mounting, make, model, serial number, manufacturer, and any other unique features that help identify the item and establish its value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-keep-your-records-somewhere-safe\">4. Keep your records somewhere safe<\/h3>\n\n\n\n<p>Once everything is in order, store your appraisals, photos, receipts, policy documents, and other important paperwork somewhere secure, like a safety deposit box at the bank. Keep digital backups, too! If you ever need to file a claim, you&#8217;ll be glad you took this step.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-review-your-coverage-options\">5. Review your coverage options<\/h3>\n\n\n\n<p>Next, compare the value of your jewellery to the limits outlined in your home insurance policy. If a piece is worth more than your standard coverage allows, it may make sense to buy additional protection.<\/p>\n\n\n\n<p>Not sure what&#8217;s right for you? <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\"><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-c9b21a53\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"A licensed RBC Insurance advisor\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">A licensed RBC Insurance advisor<\/a><\/a> can walk you through your options and help you choose the right level of coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-safeguard-your-jewellery\">How to safeguard your jewellery<\/h2>\n\n\n\n<p>Insurance can help you recover financially after a loss or damage, but the best protection is preventing it in the first place. A few simple habits can go a long way toward keeping your jewellery safe.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Invest in a home security system<\/strong>. A monitored alarm system, security cameras, or smart home security devices can help deter criminals. As a bonus, some insurers may offer discounts for homes with qualifying security systems.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Spread out your valuables<\/strong>. Avoid storing all your valuables in one place, like the same chest or drawer. This way, if one item is lost, damaged, or stolen, the others may stay safe.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Consider a home safe<\/strong>. A bolted-down home safe can provide an extra layer of protection for jewellery, important documents, and other valuables.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Be vigilant and discreet with your valuables.<\/strong> When wearing jewellery or expensive watches out in public, be aware of your surroundings and keep an eye on your valuables. Avoid leaving items out in the open, whether at home or in your car. And think twice about posting about your beloved bling on social media! You never know who might be watching.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-put-a-policy-on-it\">Put a policy on it<\/h2>\n\n\n\n<p>Maybe your Tiffany engagement ring cost more than your first car. Maybe you&#8217;ve inherited your grandmother&#8217;s heirloom necklace \u2014 a priceless piece that&#8217;s impossible to replace. Or perhaps you&#8217;ve built an impressive collection of Rolex watches over the years. Whatever the case, there may come a point when standard home insurance limit isn&#8217;t enough to safeguard your assets.<\/p>\n\n\n\n<p>But the truth is that jewellery is often worth more than its price tag. It can mark a milestone, celebrate a relationship, hold family history, or connect you to someone you love. While insurance can&#8217;t replace the memories attached to a treasured piece, the right coverage can help protect you from a significant financial loss.<\/p>\n\n\n\n<p>Taking inventory of your valuables, understanding your policy limits, and exploring additional coverage can help ensure you&#8217;re prepared for the unexpected. If you&#8217;re unsure whether your current coverage is enough, a <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\"><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-41197-4a2dfca1\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"licensed RBC Insurance advisor\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">licensed RBC Insurance advisor<\/a><\/a> can help you review your options and find the right level of protection for your needs.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b section-ads\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-home-insurance\">RBC Home Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Protect your home from the unexpected<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H21&amp;Lang=EN\" data-dig-id=\"LP-11914-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H21&amp;Lang=EN \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" data-dig-id=\"LP-280-0876daf7\" data-dig-category=\"LP\" data-dig-action=\"link click\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-frequently-asked-questions-about-insurance-for-jewellery-nbsp\">Frequently asked questions about insurance for jewellery&nbsp;<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-how-do-i-add-jewellery-insurance-to-my-coverage\">How do I add jewellery insurance to my coverage?<\/h4>\n\n\n\n<p>Most homeowner, condo, and tenant insurance policies include some coverage for jewellery, up to a certain limit for certain types of losses. If you own high-value items, you may be able to increase your coverage limits or purchase additional protection through your insurer.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How much does it cost to insure an engagement ring in Canada?<\/h4>\n\n\n\n<p>The cost of insuring a piece of jewellery, such as an engagement ring or watch, will depend on various factors, including its value, where you live, and the type of coverage you choose. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-does-home-insurance-cover-a-diamond-falling-out-of-a-ring\">Does home insurance cover a diamond falling out of a ring?<\/h4>\n\n\n\n<p>It depends on your policy and the circumstances of the loss. While some types of damage may be covered, wear and tear and certain types of accidental loss may not be. Double check your policy or speak with your insurance representative to understand exactly what&#8217;s covered.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Does tenant insurance cover jewellery?<\/h4>\n\n\n\n<p>In many cases, yes. Tenant insurance typically includes coverage for personal belongings, including jewellery, up to specified limits. If you own valuable pieces that exceed those limits, you may want to consider extending your coverage.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to insure valuable jewellery, including what home insurance typically covers, when additional coverage makes sense, and the steps to protect your valuables.<\/p>\n","protected":false},"author":222,"featured_media":41205,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[48],"tags":[13],"article-type":[80],"ppma_author":[207],"class_list":{"0":"post-41197","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-home-insurance","8":"tag-home-insurance","9":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Is Your Jewellery Covered by Home Insurance? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Learn how to insure valuable jewellery, including what home insurance typically covers, when additional coverage makes sense, and the 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