How do I insure jewellery and objects of special value?

If you’re wondering how to properly insure jewellery at home, it’s important to know that not all home insurance policies provide specific cover for this type of item.

However, DKV Hogar includes protection for jewellery and valuables within its policies, tailored to the needs of each household.

What jewellery is covered in DKV's home insurance?

When you take out a home insurance policy with DKV to insure the contents of your home, it automatically includes cover for jewellery equivalent to 10% of the sum insured. This covers common or typical jewellery items usually found in an average household, such as:

• Traditional jewellery

• Precious stones

• Valuable watches

• Gold coins

This basic cover allows you to insure jewellery in your home without needing to list each item individually, provided the total value does not exceed 10% of the insured contents. The default maximum cover DKV provides is €6,000.
 

What if the jewellery is worth more?

If you own jewellery whose combined value exceeds 10% of the insured contents or goes beyond €6,000, you’ll need to declare it specifically when taking out the policy and pay the corresponding additional premium. Additionally, if any individual item is worth more than €2,000, it must also be declared separately in order to be covered.

This process guarantees that you can insure high-value jewellery at home with complete peace of mind, knowing it will be protected against theft, fire or other incidents.
 

Coverage for high-value items

The insurance DKV Hogar You can also insure other high-value items — apart from jewellery — that are part of your home’s contents. These include:

• Works of art, such as paintings and sculptures

• Valuable collections (coins, stamps)

• Silver cutlery

• Fur garments (leather coats, etc.)

In these cases, if the individual or combined value of such items exceeds €3,000, they must also be specifically declared in the policy to be covered.

Having jewellery at home comes with a level of responsibility, and insuring it properly is essential to protect your assets. With DKV Hogar, you benefit from flexible cover tailored to the true value of your most treasured belongings. Whether it’s family heirlooms, luxury watches or personal collections, having the backing of a solid insurer like DKV gives you the peace of mind you need.