Why is my Georgia homeowners policy not enough coverage for my jewelry?

Your standard homeowners HO-3 policy caps jewelry theft coverage at $1,500 per item (some policies use a $2,500 total sublimit). An engagement ring worth $8,000 stolen from your home is covered only up to $1,500 under a standard policy. A scheduled articles floater or standalone jewelry policy covers the full appraised value with no deductible in most cases, and includes mysterious disappearance. The additional annual premium for a $8,000 ring is roughly $80 to $160 per year.