For example, your policy might cover jewelry up to $1,500, if your $4,000 jewelry piece is stolen, leaving you at a $2,500 loss. Coverage limits can vary, with some applying per incident and others, especially for jewelry, per item. It’s crucial to review your policy carefully, focusing on coverage amounts and restrictions. If you have questions, don’t hesitate to reach out to your insurance broker for clarification and to explore additional coverage options from your trusted Massachusetts insurance broker.