Homeowner insurance policies typically provide coverage for jewelry loss, but the extent of coverage may vary depending on the policy and the value of the jewelry. Most standard homeowner insurance policies have a sub-limit for jewelry, which means there is a maximum limit on how much the insurance company will pay for jewelry losses. This sub-limit is usually around $1,000 to $2,000. If the value of your jewelry exceeds this limit, you may need to purchase additional coverage, known as a jewelry rider or floater, to ensure full protection. It's important to review your policy and speak with your insurance agent to determine the specific coverage and limits for jewelry loss in your homeowner insurance policy. Additionally, some insurance companies may require you to provide an appraisal or documentation of the value of the jewelry in order to receive full coverage. It's always recommended to keep an inventory of your valuable items, including jewelry, and to keep any receipts, appraisals, or photographs as proof of ownership and value. By doing so, you can ensure that you have the necessary documentation to file a claim and receive appropriate compensation in the event of jewelry loss.