Jewelry Insurance

What Is Jewelry Insurance?

Jewelry insurance is specialized coverage designed to protect your valuable pieces beyond what homeowners or renters insurance provides. With over 100 years of experience insuring jewelry exclusively, specialized providers understand the unique needs of jewelry owners and offer comprehensive protection for loss, theft, damage, and even mysterious disappearance.

What's Covered?

Receive repair or replacement coverage for all types of jewelry, even loose stones while being set:

• Rings: Engagement rings, wedding bands, fashion rings, and anniversary rings
• Watches: Luxury timepieces, vintage watches, and collectible watches
• Necklaces: Chains, pendants, and statement necklaces
• Earrings: Studs, hoops, drops, and designer earrings
• Bracelets: Tennis bracelets, bangles, cuffs, and charm bracelets
• Charms: Individual charms and charm collections
• Loose Stones: Even while being set by your jeweler

Coverage Highlights - Beyond Homeowners Insurance

• Loss: Coverage if your jewelry is lost, including mysterious disappearance
• Damage: Protection if your jewelry is damaged, including stones falling out or prongs breaking
• Theft: Full coverage if your jewelry is stolen, anywhere in the world
• Disappearance: Even when you're not sure exactly what happened, you're covered
• Worldwide Travel: Your jewelry is protected no matter where you go
• No Maximum Value: Insure items of any value with no upper limit
• Jeweler Choice: Work with your preferred jeweler for repairs or replacement
• Same Kind & Quality: Replacement with identical quality, not generic substitutes

Who Should Consider Jewelry Insurance?

• High-Value Homeowners: If your jewelry exceeds typical homeowners policy limits ($1,000-$2,500)
• Coastal Residents: Higher risk areas where homeowners coverage may be limited
• High Schedules: Multiple pieces or collections requiring comprehensive coverage
• Newly Engaged: Engagement rings often exceed homeowners policy jewelry limits
• Jewelry Collectors: Vintage, antique, or designer jewelry collections
• Frequent Travelers: Anyone who wears jewelry while traveling domestically or internationally
• Active Lifestyle: Higher risk of loss or damage with daily wear

Policy Details & Flexibility

• Coverage Available: All 50 states
• Policy Type: Repair or replacement policy
• Scheduled Items: No maximum value - insure any amount
• Deductible Options: Flexible from $0 to $100,000; can be applied per item
• Payment Plans: Multiple options from annual to monthly payments
• No Claims Impact: Standalone policy doesn't affect homeowners insurance rates

How Much Does Jewelry Insurance Cost?

For most people, jewelry insurance costs 1-2% of the value of their jewelry annually. Rates are based on several factors including where you live, the total value being insured, security measures (safes, alarm systems), and your claims history. For example:

• $5,000 engagement ring: Approximately $50-$100/year
• $10,000 watch: Approximately $100-$200/year
• $25,000 jewelry collection: Approximately $250-$500/year

Available Discounts

• Safe Storage: Discounts for using a safe or safety deposit box
• Alarm Systems: Additional savings for monitored home security systems
• Multi-Item: Better rates when insuring multiple pieces
• Claims-Free: Potential discounts for maintaining a claims-free history

Check Your Rate in Less Than One Minute

Getting a jewelry insurance quote is quick and easy with no personal information required upfront:

• Step 1: Tell us what you need to insure (ring, watch, necklace, etc.)
• Step 2: Provide the value (from appraisal or purchase receipt)
• Step 3: Enter your zip/postal code

That's it - see your estimated rate instantly with no obligation.

Why Standalone Jewelry Insurance Protects Your Home Insurance

Many people don't realize that filing a jewelry claim on your homeowners policy can significantly impact your home insurance rates and coverage. A standalone jewelry insurance policy separates these risks, so a jewelry claim won't affect your homeowners insurance premiums, deductible, or insurability. This separation alone can save you hundreds or thousands over time.

The Expert Difference

Jewelry insurance from experts who have been insuring jewelry exclusively for over 100 years means you get specialized knowledge, established jeweler relationships, accurate valuations, and understanding of unique risks. Your jewelry isn't just another item on a policy - it's what they specialize in protecting.