Jewelry Insurance

What Is Jewelry Insurance?

Jewelry insurance provides specialized coverage for your valuable rings, necklaces, watches, and other precious items. It offers more comprehensive protection than the limited coverage provided by standard homeowners or renters policies, protecting against loss, theft, damage, and mysterious disappearance.

Why You Need Jewelry Insurance

• Standard home policies have low limits for jewelry claims
• Protects against loss, not just theft, including accidental loss
• No deductible on most jewelry policies
• Covers full replacement value of your items
• Protection anywhere in the world

Common Coverages

Scheduled personal property coverage protects specifically listed items for their appraised value. Coverage includes theft, loss, accidental damage, and mysterious disappearance. Most policies provide worldwide coverage whether you're at home or traveling. Replacement coverage ensures you can replace lost items with comparable pieces. Some policies offer coverage for newly acquired items automatically for a limited period.

Do I Need an Appraisal?

Yes, you'll typically need a professional appraisal for high-value items to establish their worth. Appraisals should be updated every few years as values change. Keep photos, receipts, and documentation of your jewelry in a safe place separate from the items themselves.