Most Las Vegas homeowners policies cap jewelry coverage at $1,000 to $2,500 with a full deductible. A standalone jewelry policy typically pays full appraised value with no deductible, covers mysterious disappearance, and works worldwide. See exactly when standalone beats a rider, and what it costs.

Worried your heirlooms or vehicle wouldn’t be fully covered after theft, damage, or a major loss? This Las Vegas & Henderson guide explains common gaps in standard auto and homeowners/renters policies, when jewelry coverage is needed for high-value items, and how bundling home and auto can simplify protection and often reduce costs. Includes a simple 5-step checklist for appraisals, riders, and yearly reviews.