PROTECTION FOR WHAT MATTERS
Protection for Your Most Treasured Pieces.
A jewelry insurance policy can offer protection designed specifically for your valuable items. Coverage options vary by carrier, item type, and your individual needs.
Theft & Loss
Helps protect against theft, loss and mysterious disappearances for scheduled items.
Accidental Damage
Coverage for accidental damage, including chipped stones, broken prongs, or other unforeseen events.
Additional Coverage Options
Many policies offer optional coverage such as fire, natural disasters, worldwide coverage, and coverage while the item is being repaired or appraised.
IS YOUR JEWELRY FULLY PROTECTED?
Homeowners Coverage vs. Specialized Jewelry Insurance
​Standard homeowners or renters insurance provides some coverage for jewelry, but it often comes with limits and exclusions. A scheduled or standalone jewelry policy can offer broader protection for your valuable pieces.
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Engagement & Wedding Rings
Celebrate life's most meaningful moments with confidence.
Coverage for a Wide Range of Valuable Items.
We can help you explore insurance options for many types of jewelry, including:
Luxury Watches
​Protect timepieces of exceptional value.
JEWELRY WORTH PROTECTING
Necklaces & Bracelets
Coverage for fine jewelry, charms, and custom pieces.
Family Heirlooms
Preserve the pieces that tell your story.
Appraisals & Valuations
A recent appraisal may be required to determine the insured value of your items.
A Few Things to Keep in Mind.
Jewelry insurance often comes with unique requirements. Here are some key factors to consider:
Deductibles & Coverage Limits
Coverage limits and deductibles vary by carrier and can be customized to fit your needs.
IMPORTANT CONSIDERATIONS
Repair or Replacement
​Depending on the policy, items may be repaired, replaced with new or like kind and quality, or paid in cash.
Coverage While Traveling
​Many policies offer worldwide coverage, so your jewelry is protected at home and away.
 Jewelry Insurance FAQs
COMMON QUESTIONS
​Most homeowners insurance policies provide some coverage for jewelry, but certain losses, particularly theft, may be subject to special limits. Standard policies also generally do not cover accidental loss or mysterious disappearance. Scheduling your jewelry on your homeowners policy or purchasing standalone jewelry insurance may provide broader protection, depending on the carrier and coverage selected.
​If your engagement ring is accidentally lost, coverage depends on how it is insured. Standard homeowners policies generally do not cover simply losing a ring, while many scheduled jewelry endorsements and standalone jewelry policies offer protection for accidental loss or mysterious disappearance. Depending on the policy, a covered claim may be settled through repair, replacement, or payment, subject to applicable terms and limits.
​An appraisal may be required depending on the value of your jewelry and the insurance carrier's guidelines. Some insurers accept recent purchase receipts or other documentation for lower-valued items, while higher-valued pieces may require a professional appraisal. Keeping current appraisals, photographs, and purchase records can help establish the value of your jewelry and assist with the insurance process.
​Many scheduled and standalone jewelry insurance policies offer worldwide coverage, helping protect your insured pieces whether you're at home, traveling domestically, or visiting another country. Coverage may include theft, accidental loss, and damage, depending on your policy. Standard homeowners insurance may also provide coverage away from home, but certain limitations and exclusions can apply. It's important to review your specific policy before traveling with valuable jewelry.
Jewelry insurance premiums depend on several factors, including the value and type of jewelry, your location, the coverage selected, and any applicable deductible. Specialized jewelry insurance commonly costs approximately 1% to 2% of the insured item's value annually, although actual premiums vary by carrier. We can help you explore available options and find coverage appropriate for your jewelry and budget.
