Quick answer: Only partially. A standard homeowners policy covers jewelry theft up to a low sublimit, often $1,500 to $2,500, far below the value of a fine piece. To fully protect jewelry, schedule each piece on a valuable-articles floater at agreed value, which removes the deductible and broadens coverage to loss, damage, and mysterious disappearance worldwide.
Most homeowners policies cap theft of jewelry at a sublimit that has nothing to do with what your pieces are worth, and a deductible applies on top. A single stolen ring or watch can exceed that entire limit, leaving you to absorb the difference. The policy also typically covers fewer perils for jewelry than a dedicated floater does.
Scheduling lists each valuable piece individually, insured for an agreed value set in advance with a current appraisal. There is no deductible, coverage is worldwide, and it extends to loss and accidental damage, not just theft. See blanket vs. scheduled coverage and how to appraise jewelry and fine art.
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