As part of our initial client intake we ask about valuables. We’re surprised to find homeowners that don’t have their valuables properly insured. They mistakenly assume their homeowner’s policy covers all of their valuable items without reading the policy and the special limits on common valuable items. We’ve seen policy limits at $1,000 for all jewelry – it’s common. And losing a ring isn’t a named peril, so you can forget about it being included in homeowner’s insurance coverage. Your better bet is a valuable items policy. You’ll be surprised how inexpensive it can be to properly cover your valuables!