*iSelect does not compare to all home and contents insurers in the market. The availability of policies may change from time to time. Not all policies made available from iSelect’s providers are compared by iSelect and due to commercial arrangements, area or availability, not all policies compared by iSelect will be available to all customers. See below for our range of home and contents insurers. Some policies are only available from iSelect’s call centre or online. Our advice on this website is of general nature and does not consider your situation or needs. Consider if any advice is appropriate for you before acting on it.
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The answer is, it depends. Many home and content insurance policies provide some level of cover for your jewellery. So, depending on your policy, if you lose it, accidentally damage it or some mean person pinches it, you might be able to stress a little less. But in saying that, it’s important to check exactly what you’re covered for. If you decide you want more cover, you might be able to apply for additional cover for a higher premium.
So your home and contents provider will generally set a limit on the amount you can claim for a piece of jewellery. The actual amount will depend on the provider and the policy you purchase. You’ll find some policies don’t always cover the cost of the full item.
Some insurers might also put a limit on the amount you can claim back on a collection or set of jewellery. Let’s say you’ve insured your watch, engagement ring and diamond-encrusted dog collar. If all of these items were to get damaged in a fire, you may only be able to claim back a set figure.
If you don’t like the sound of these limits, you can take out additional cover and specify the amount you want covered for each piece with most policies. This is likely to increase your premiums.
Two of the possible options when it comes to insuring your jewellery on a contents policy include; specified and unlisted items.
Unlisted items: if you don’t tell your insurer about specific pieces of jewellery you want covered, they’ll usually be treated as general contents under your policy. Most insurers will limit the amount you can claim for unlisted items such as jewellery. You should check the limits and terms of your policy.
In some cases, comprehensive travel insurance policies may help cover some jewellery items when you’re on holiday. Make sure you check what’s included before you jet off, as there are a number of common exclusions you should look out for.
Ultimately, this depends on your provider and the level of cover you choose. Some common exclusions to look out for include:
To make a claim, you may need the following information:
First, look at what’s included in your Home and Contents insurance. Is your jewellery included? If you don’t have home and contents insurance or you want to compare your policy against others from iSelect’s range of policies and providers, you’re in the right spot! Just call 13 19 20 and speak to one of our friendly consultants.
Last updated: 22/02/2021