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You will need to call your insurance agent or read your insurance policy to see if you scheduled your earring or not.

A bit more:

With many personal items, such as jewelry and guns, you usually have to purchase a separate policy to have full coverage on them, especially if you have an extensive collection. Many companies will only cover up to a specific (small) amount for these items on a homeowner's policy, depending on the type of policy you have.

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Q: Does your homeowners insurance cover your lost earring?
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