Jewelry & Watch Insurance

Better Coverage at a Better Price Than Homeowners Floaters

Your jewelry represents precious memories and significant investments. Get specialized coverage designed specifically for fine jewelry with zero deductibles, 125% replacement value protection, and worldwide coverage – all backed by an AM Best A+ rated carrier.

Why Specialized Jewelry Insurance?

With homeowners premiums increasing, it's time to consider a specialty jewelry insurance policy

125% Replacement Value – Never be underinsured if precious metal or gemstone prices rise
Zero Deductible – Eliminate out-of-pocket costs when making a claim
Worldwide Coverage – Your jewelry is protected anywhere you travel
No Impact on Homeowners – Claims won't affect your home insurance rates
Preventative Maintenance – Covers stone tightening, prong repair, clasp replacement & pearl restringing
Free Annual Value Updates – Coverage automatically adjusts to reflect market changes
Save Up to 10% – Often costs less than typical homeowners floater coverage
5-Star Reviews – Customers love our white-glove claims service
Easy Process: Virtual appraisals available if you don't have one for your jewelry. Apply online 24/7 – no waiting for callbacks or pushy sales calls.

What We Cover

Comprehensive protection for all your precious pieces

Engagement Rings
Wedding Bands
Watches
Diamond Jewelry
Necklaces
Bracelets
Earrings
Fine Jewelry
Heirloom Pieces
Colored Gemstones
Pearls
Luxury Accessories

Comprehensive Coverage

Protection for every scenario – at home and around the world

Accidental Damage

Full protection if your jewelry is accidentally damaged

Accidental Loss

Coverage if your piece is accidentally lost anywhere

Theft

Protected if your jewelry is stolen at home or away

Mysterious Disappearance

Covered even when you can't explain what happened

Loss of Stones

Coverage for lost diamonds or gemstones from settings

Preventative Maintenance

Stone tightening, prong repair, clasp replacement

How We Compare

See why specialized jewelry insurance beats homeowners riders and warranties

Coverage Feature BriteCo HO Rider Warranty
Coverage Extension (+25% for market changes)
Zero Deductible
Worldwide Coverage
Accidental Damage
Accidental Loss
Theft
Mysterious Disappearance
Preventative Maintenance
Additional Insured & Separate Location
Free to Add Additional Insured
Free Annual Value Updates
No Impact on Homeowners

Why Choose Us

AM Best A+ Rated
Superior Financial Strength
Licensed in All 50 States
Nationwide Coverage
5-Star Reviews
White-Glove Claims Service
Best Value Award
Rated #1 Jewelry Insurance

Ready to Protect Your Precious Jewelry?

Get a personalized quote in minutes. Easy online application with virtual appraisal options available.