jewelry
If It Shines or Keeps You Warm

Jewelry, Silverware, and Fur Insurance

The standard NJM homeowners or renters policy includes coverage for personal property such as furniture, clothing, housewares, etc. But what about the treasured diamond earrings you're wearing right now or the family heirloom on display in your house or apartment?

Current Coverage Limits

Like most insurance policies, there are limits to coverage. NJM Renters Insurance has these coverage limits for theft loss of:

Jewelry, Watches, Furs, Precious and Semi-Precious Stones

  • New Jersey policies: $1,500 theft coverage limit, after the deductible, for all items stolen at the same time
  • Pennsylvania policies: $1,000 theft coverage limit, after the deductible, for all items stolen at the same time

Silverware, Silver-Plated Ware, Gold Ware, Gold-Plated Ware, and Pewter Ware

New Jersey and Pennsylvania policies: $2,500 theft coverage limit, after the deductible, for all items stolen at the same time

Increasing Your Coverage

If you want more comprehensive coverage for the above items up to their replacement values, without a deductible, you should add an endorsement to your policy by applying for Scheduled Personal Property Coverage.*

How to apply:

  • Obtain an up-to-date appraisal of each item
  • Take a photograph of each item
  • Make a photocopy of your original purchase receipt for each item, if possible
  • Complete the Scheduled Personal Property Coverage Application
  • Print, sign, and mail all of the above to the NJM mailing address on the application form
*This information will be used by NJM to underwrite your request and, in the event of a loss, we elect to replace or repair your lost valuables. Coverage cannot be considered bound until you are notified that you have followed the application procedure and that your application has been accepted and approved by our underwriters.