---
title: Does Home Insurance cover jewellery and valuables?
description: "Home Contents Insurance can cover jewellery and valuables, but item limits can apply and higher-value items may need to be separately specified."
url: "https://www.webberinsurance.com.au/help/insurance-products/home-insurance/home-insurance-valuables"
updated: "2026-10-07"
category: Insurance Products / Home Insurance
---

# Does Home Insurance cover jewellery and valuables?

Potentially. Contents Insurance can cover jewellery, watches, artwork and other valuable belongings, but category and item limits can apply.

However, these items often require particular attention because policies can impose limits.

## Are valuables automatically included?

Some cover may be provided under the general Contents section.

However, the policy can apply limits to particular categories such as:

- Jewellery.
- Watches.
- Artwork.
- Collections.
- Antiques.
- Precious metals.

Higher-value items can need to be individually specified.

## Why should items be specified?

Specifying an item can:

- Identify exactly what is insured.
- Establish an insured value.
- Avoid relying only on a lower general category limit.

The insurer may request a valuation or evidence of ownership.

## What if I wear jewellery away from home?

Standard Contents Insurance at the home may not cover the item while it is away from the insured address.

Portable Contents cover may be required.

## Should valuations be updated?

Yes, particularly for items whose replacement values can change substantially.

Examples include:

- Jewellery.
- Watches.
- Fine art.
- Collectables.

## What records should I keep?

Useful records can include:

- Receipts.
- Valuations.
- Photographs.
- Serial numbers.
- Certificates.

  **General Advice Warning:** The information on this page is general in nature and does not take your personal circumstances into account. You should consider whether it is appropriate for you and seek professional advice before making any decisions. For tailored advice, please contact Webber Insurance Services.