Does Home and Contents Insurance Cover Jewellery and Valuables? | Luxsure by Clarke Lyons Insurance
- gareth150
- Sep 29
- 2 min read
For luxury homeowners and apartment owners, protecting jewellery, art, and other high-value possessions is essential. One of the most common questions is: “Does my home and contents insurance cover my jewellery and valuables?”
The answer depends on your policy type, declared values, and insurer requirements—but with Luxsure by Clarke Lyons Insurance, you can ensure your most prized assets are fully protected.
What Counts as Jewellery and Valuables?
“Valuables” include items of significant worth, such as:
Fine jewellery (rings, watches, necklaces)
Designer handbags and fashion items
Rare collectibles (coins, stamps, vintage wines)
Fine art, sculptures, or limited-edition pieces
High-end electronics and cameras
Standard home insurance policies may offer basic cover, but luxury assets often require specialised coverage to avoid policy limits or exclusions.
Standard Home Insurance vs. Luxsure Luxury Coverage
Most standard policies cap valuables coverage, often around $5,000–$10,000 per item. Exceeding these limits can result in:
Claims being capped at the policy limit
Requirement for “specified items” coverage
Need for formal valuations or appraisals
Luxsure by Clarke Lyons Insurance provides tailored policies for high-net-worth clients, ensuring luxury items are fully covered, without the restrictions of standard insurance.
How to Ensure Your Valuables Are Fully Covered
Declare high-value items – include estimated value and professional valuations.
Keep documentation – photos, receipts, and appraisals help speed up claims.
Review annually – luxury assets often appreciate over time.
Choose a luxury policy – Luxsure ensures worldwide coverage, off-premises protection, and no hidden limits.
Frequently Asked Questions
Does Luxsure cover accidental loss or theft of jewellery? Yes, but it’s essential to declare high-value items. Luxsure policies often include worldwide coverage for accidental loss and theft.
Are engagement rings and luxury watches covered? Absolutely, with proper valuation and specified item coverage. Policies are designed to cover replacement cost without surprise limits.
What if my valuables are stolen outside my home? Many Luxsure policies include off-premises protection, covering items while travelling, at work, or in a safe deposit box.
Do I need a professional appraisal? Yes, for high-value items like jewellery, art, or collectibles, appraisals ensure full replacement coverage and smooth claims.
Common Mistakes Luxury Homeowners Make
Assuming standard home insurance is enough for jewellery or art.
Failing to provide professional valuations.
Not updating coverage after acquiring new valuables.
Overlooking off-premises coverage for travel or storage.
Not reviewing policy limits annually as assets appreciate.
Final Thoughts
Standard home and contents insurance often leaves gaps for high-value items. Luxsure by Clarke Lyons Insurance specialises in protecting luxury assets, providing peace of mind that your jewellery, art, and valuables are fully covered.
When it comes to luxury insurance, coverage, clarity, and service matter. Protecting your lifestyle isn’t just about insurance—it’s about securing what you’ve worked hard for.
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