The Christmas season is upon us which means there will be gift-giving and receiving. Jewelry is a very popular gift this time of year. Did you you know that the standard homeowners policy has a limitation of $1,500 for theft of jewelry? So when those $3,000 earrings are stolen, you will not have enough coverage to replace them. If you have over $1,500 worth of jewelry, you can either keep it off premises, like in a safe deposit box, or you can talk with your agent about adding a Personal Articles Floater, either attached to your homeowners policy or a separate policy.