High-Value Home & Jewellery Contents Insurance Estimator (2025 Edition)
Estimate coverage needs and premiums for high-value homes, fine jewellery, art, collectibles, and luxury contents.
Home & Property
Luxury Contents
$0
Coverage Preferences
This estimator helps you calculate the proper coverage amount and premium ranges for high-value homes and luxury contents such as diamond jewellery, luxury watches, fine art & sculptures, rare collectibles, high-end electronics, designer furnishings, and antiques or heirlooms. It's designed to help homeowners avoid underinsurance, which is common in luxury markets.
1. Jewellery Insurance
Covers loss, mysterious disappearance, theft, damage.
2. Fine Art & Collectibles
Museum-level protection for paintings, rare items, sculptures.
3. High-End Electronics
Coverage for premium devices, AV systems, recording gear.
4. Luxury Furnishings
Designer furniture, imported items, custom interiors.
5. Extended Home Structure Coverage
Luxury homes often need higher rebuild cost estimates due to custom materials, architectural complexity, and skilled labor requirements.
| Contents Value | Typical Premium Range |
|---|---|
| $25,000 | $250–$400/year |
| $50,000 | $450–$700/year |
| $100,000 | $900–$1,400/year |
| $250,000+ | $2,000+/year |
- Large jewellery collections
- Expensive home architecture
- High-crime ZIP codes
- Heritage or historic homes
- Premium finishes & custom materials
- Lack of security systems
- Safe deposit box storage
- Alarm monitoring
- Vault/safe for jewellery
- Updated wiring/plumbing
- Gated community residence
- Higher deductible choices
Q1: Do I need special insurance for jewellery?
Yes, homeowner policies have low per-item limits (often $1,500).
Q2: Does blanket coverage protect expensive watches?
Only a little, most luxury items must be itemized ("scheduled").
Q3: Does this cover damage during travel?
Some policies offer worldwide coverage, check your provider.
Q4: How often should I re-appraise jewellery?
Every 2–4 years to match market value.