Home & Property

Jewelry Floater

A scheduled endorsement that insures individual jewelry pieces at their full appraised value, including mysterious disappearance.

Last reviewed: May 2026 · Editorial methodology

Definition

A jewelry floater (or jewelry rider) is a type of scheduled personal property endorsement that lists each piece of jewelry — rings, watches, necklaces, earrings — along with its appraised value, providing broader coverage than the standard homeowners policy's $1,500–$2,500 jewelry sub-limit. Coverage typically extends to theft, accidental loss, mysterious disappearance, and damage anywhere in the world — not just at the insured home. Most insurers require a jewelry appraisal from a certified gemologist no older than three to five years; for pieces over $10,000, some carriers require recent market comparables as well. Deductibles are often waived or set at $0 for scheduled jewelry floaters, and settlement is at the scheduled (agreed) value without depreciation. Annual premiums typically range from $1.00 to $2.00 per $100 of scheduled value, making a $10,000 ring roughly $100–$200 per year to insure. Engagement rings are among the most commonly floated items; insurers report ring loss or damage claims spike in the weeks after major holidays.

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Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

Scheduled Personal PropertyA policy endorsement that individually lists and insures high-value items — jewelry, art, collectibles — at their appraised value.Blanket Personal PropertyA single policy limit covering all personal property in aggregate, rather than item-by-item sub-limits.Coverage C (Personal Property)The homeowners policy section that reimburses the policyholder for damaged or stolen personal belongings, such as furniture, electronics, and clothing.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
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Cover Forge USA Editorial Team

Editorial Lead

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed June 2026

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