You don’t have to be buying Princess Di’s Attallah Cross necklace or Alexander McQueen’s vintage Oyster gown like Kim Kardashian in order to have valuable couture. Having these high-value items under one’s roof naturally begs the question: are designer clothes covered by home insurance? What about high-value jewelry? The answer is: it varies. Let’s get right to it….

Are Designer Clothes Covered By Home Insurance?

Most personal items such as clothing are covered by home insurance if stolen or destroyed by insured disasters (like a fire or hurricane)—and generally cover up to 50-70% of the insurance you have on your home; however, designer items are decidedly not covered.

If you only have a couple of high-value items, you could add a rider on your current policy to cover them. However, if you have obtained an entire couture collection, then you may want to consider designer clothing insurance. This is available through specialized providers.

Is Jewelry Covered By Your Home Insurance?

Some jewelry may be covered under your existing policy up to a certain amount pre-defined in your listed perils. On the other hand, super-expensive jewelry is usually not. (And even if your jewelry is covered, it may not be if lost in a circumstance that isn’t listed as covered in your policy, so be sure to ask for clarification.)

Similar to insurance for designer clothes, you’ll need to get a rider for high-ticket items. Or consider a jewelry-specific insurance policy that will provide more extensive coverage if you have a lot of expensive jewelry.

The Takeaway: Insurance For Designer Clothing And Expensive Jewelry

Our home is usually our largest investment, but some people spend a small fortune on luxury items. If this is you, you should get separate insurance for your designer clothing and high-value jewelry.

Even if you only have a few expensive items, it’s still worth it to look into reinforcing your existing policy with a rider. Your existing insurance provider may not provide the most competitive rates on designer clothing insurance or insurance for jewelry. So, you should shop around to find the best price. We can help. Get access to fast and free home insurance quotes with us. When it matters, we’ve got you covered!

Contact us (859-781-7283) for more information or get a free quote!

About Rollins Insurance 

Rollins Insurance is an independent insurance agency providing our clients the best prices with the most coverage possible since 2008. We represent multiple A-rated insurance companies to make sure we deliver the most competitive rate packages to our clients in Kentucky and Ohio. We find that most people are under-insured and over-paying when we meet them. We love what we do and our primary business is Personal Auto, Homeowners, and Life and Health insurance. We are a family-owned and managed business that specializes in providing needs-based insurance services.
>> Learn More About Us and Our Staff