Is my engagement ring covered under my homeowners insurance?

Standard Georgia homeowners policies cover jewelry for $1,500 to $2,500 for theft. That is typically insufficient for an engagement ring above $5,000, inherited estate jewelry, or a watch collection. You have two options: schedule the jewelry on your homeowners (1 to 2 percent of value, but often covers less than standalone) or buy a standalone policy through Jewelers Mutual. For higher-value pieces, Jewelers Mutual almost always offers broader coverage including mysterious disappearance.