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TIFU by thinking my expensive jewelry was covered by my insurance

I feel dumb for this rn like I always thought my regular insurance had me covered if anything ever happened to my jewelry (Rings, necklaces, some expensive pieces) like I figured it was all safe under my policy. Most renters/homeowner’s policies only cover jewelry up to a certain limit (mine was $1,500 total which is about the price of a macbook). When I actually called my broker to ask him he straight up told me they couldn’t do anything if I lost one of my nicer pieces.

Jewelry is so easy to lose like 1 bad day and I could’ve been out thousands thinking I was protected when I wasn’t so luckily I found this out before it was too late and I ended up adding separate jewelry coverage which was way cheaper than I expected and now I can actually relax knowing I’m not one small moment away from bleeding thousands.

TL;DR: TIFU by blindly trusting my insurance policy without reading the fine print like if you’ve got anything valuable do yourself a favor justcall your agent and check before you end up learning the hard way

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