Protect Your Valuables the Right Way
Whether it’s an engagement ring, luxury watch, or family heirloom, your valuables deserve more than basic coverage.
In places like Irvine and throughout Orange County, many homeowners assume their insurance fully protects their jewelry and watches…
👉 But most policies have strict limits.
⚠️ Does Home Insurance Cover Jewelry & Watches?
Yes — but only to a limited extent.
Most standard home insurance policies include coverage for:
- Theft
- Fire
- Certain types of damage
👉 HOWEVER, the limits are usually very low:
- 💍 Jewelry theft limits: $1,000 – $2,500
- ⌚ Watches often fall under the same limit
👉 That means if you lose a $10,000 ring…
You may only get $1,500 back
🚨 What’s NOT Covered (Big Gaps)
Even worse, standard policies often do NOT cover:
- ❌ Loss (misplacing your ring)
- ❌ Mysterious disappearance
- ❌ Accidental damage
- ❌ Full replacement value
👉 This is where most people are shocked during a claim
💡 The Solution: Scheduled Jewelry Insurance
To fully protect your valuables, you need to schedule (endorse) your items or get a separate policy.
✅ What Scheduled Coverage Includes:
- ✔️ Coverage for loss, theft, and damage
- ✔️ Higher limits based on appraisal
- ✔️ Replacement cost (not depreciated value)
- ✔️ Worldwide coverage
👉 Whether you’re at home or traveling — you’re protected
💰 How Much Does Jewelry Insurance Cost?
Good news 👇
It’s more affordable than most people think.
👉 Typically:
💲 $100 – $300 per year per $10,000 in value
📍 Why Jewelry Insurance Matters in Irvine, CA
In Irvine, many residents own:
- Engagement rings
- Luxury watches (Rolex, Cartier, etc.)
- High-value personal items
👉 Theft, loss, and accidental damage are real risks — even in safe neighborhoods
🏆 Why Choose Starwest Insurance Services
- 🏆 30+ years serving Orange County
- 💰 No broker fees — ever
- 🔍 Access to multiple top-rated carriers
- 💎 Expertise in high-value item protection
- 🤝 Personalized, local service
🔥 Common Mistake to Avoid
👉 Relying ONLY on your home insurance policy
This leaves a major coverage gap that could cost you thousands.
🚀 Get a Jewelry & Watch Insurance Quote Today
We’ll help you:
- Review your current coverage
- Identify gaps
- Properly insure your valuables
📞 Call / Text: 714-893-7271 TEXT 714-231-0897
🌐 Visit: StarwestInsurance.com
Or request a quote below 👇
🔑 Final Thought
You insure your home… your car…
👉 But are your most valuable personal items fully protected?
Don’t wait until it’s too late.