Protection that lets your jewelry keep shining.
Help protect engagement rings, watches, necklaces, bracelets, earrings and other valuable pieces against eligible loss, theft and accidental damage.
Coverage for the pieces that matter most.
Jewelry insurance may be available for individual valuables, family heirlooms and high-value collections.
Engagement Rings
Protect eligible engagement rings and wedding bands against covered loss, theft and accidental damage.
Luxury Watches
Coverage options may be available for individual watches or qualifying watch collections.
Necklaces and Bracelets
Help protect valuable necklaces, chains, pendants, bracelets and similar pieces.
Earrings
Coverage may help when an eligible earring is lost, stolen or accidentally damaged.
Heirlooms
Family jewelry with sentimental and financial value may qualify for scheduled protection.
Fine Art and Other Valuables
Some carriers may offer related protection for fine art and other eligible collectible property.
Protection beyond what a basic policy may provide.
Coverage varies by carrier, but a dedicated jewelry policy may offer protection for:
Scheduled coverage and blanket coverage are different.
The right structure depends on the value, number and documentation available for your jewelry.
Scheduled Jewelry
Each covered piece is individually listed with its own description and insured value.
- Specific value assigned to each item
- Appraisal or purchase documentation may be required
- Well suited for high-value pieces
Blanket Coverage
A single overall limit may apply to a group of eligible items rather than listing each piece separately.
- One combined coverage limit
- Per-item sublimits may apply
- May work for lower-value collections
From appraisal to protection.
A few simple steps can help us identify available coverage options for your jewelry.
Describe the Item
Provide the type of jewelry, purchase date, value and any available documentation.
Share an Appraisal
A recent appraisal or purchase receipt may be required for higher-value pieces.
Compare Options
Review deductibles, limits, settlement methods and available worldwide protection.
Select Your Policy
Choose the coverage that best fits the value and use of your jewelry.
What to review before choosing coverage.
Jewelry policies differ, so it is important to compare how items are valued, repaired and replaced.
Coverage Features to Compare
- Scheduled or blanket coverage
- Agreed value or replacement provisions
- Deductible options
- Worldwide coverage territory
- Repair and replacement requirements
- Newly acquired jewelry protection
Common Exclusions
- Normal wear and tear
- Gradual deterioration
- Intentional loss or damage
- Voluntary parting or fraud
- Damage during certain repair or cleaning work
- War, nuclear hazard and other listed exclusions
Clear guidance for valuable protection.
Our team can help you compare available jewelry insurance options and understand the documentation, limits and coverage features involved.
Market Comparison
Review available options from multiple insurance markets when available.
Appraisal Guidance
Understand what valuation documentation may be needed for a quote.
Coverage Review
Compare deductibles, settlement methods, limits and territory.
Ongoing Service
Get help adding newly acquired pieces or updating insured values.
Wear it. Enjoy it. Protect it.
Request a jewelry insurance quote for your engagement ring, watches, necklaces, bracelets, earrings or other valuable pieces.
Jewelry insurance questions, answered.
Coverage, values and eligibility vary by carrier and selected policy.
Does homeowners insurance cover jewelry?
Homeowners and renters policies may provide limited jewelry coverage, especially for theft. Higher-value pieces often need to be scheduled or insured under a dedicated policy.
Do I need an appraisal?
A recent appraisal or purchase receipt may be required for higher-value items. Requirements vary by carrier and insured value.
Can lost jewelry be covered?
Some policies may cover eligible accidental loss or mysterious disappearance, subject to the policy terms and exclusions.
Is jewelry covered while traveling?
Worldwide coverage may be available for eligible scheduled items, but territory and claim conditions should be reviewed carefully.
How much does jewelry insurance cost?
Premium depends on the item value, location, deductible, coverage features and carrier. A quote is needed to determine the actual cost.
Can I insure a collection under one policy?
Yes. Depending on the carrier, individual items may be scheduled separately or covered under a blanket limit with applicable sublimits.
Coverage descriptions are provided for general informational purposes only and do not amend, extend or replace the terms of any insurance policy. Coverage is subject to eligibility, underwriting approval, valuation documentation, selected deductibles, limits, conditions, exclusions and carrier requirements. Refer to the issued policy for complete terms and conditions.