Jewelry and Watches vary widely in value and may be subject to policy sublimits. This category includes watches under and over $50, bracelets, brooches, and costume jewelry. Losses often stem from theft, fire, or misplacement during catastrophe events.

Adjusters should carefully distinguish between costume and precious-metal items, ensuring documentation supports declared values.

Use this category to validate depreciation schedules in conjunction with policy coverage terms and appraisals.