Jewelry insurance from actual jewelry experts.

Personal Jewelry Insurance

Jewelry insurance from actual jewelry experts.

Protecting All Things Jewelry Since 1913

Jewelry insurance is only as good as the company standing behind it. Protect yours with the only insurer in North America solely dedicated to jewelry insurance for over 100 years.

Check Your Rate

Estimate your rate in less than one minute. Just tell us what you need to insure, how much it’s worth and your zip/postal code.

No personal information needed.

Already have a quote? Retrieve your saved quote or application.

Get Pricing *Coverage not available in Quebec

Worldwide Protection

No matter the type of jewelry you insure, it'll be protected by our comprehensive repair or replacement coverage. Plus, your policy extends worldwide, wherever your travels may take you.

  • Loss

    You left your ring somewhere—on a beach towel or in a public bathroom. It’s out there somewhere and you can’t find it. It’s covered.

  • Theft

    We all know that feeling of dread when something we cherish is stolen. But you can rest assured that your stolen piece is covered, too.

  • Damage

    You hit your diamond ring on the edge of a table and it cracks, or you're pulling on a sweater and a prong is bent. Accidents happen. We'll cover that.

  • Disappearance

    Sometimes jewelry just disappears—it could be lost, stolen or hanging out in a drainpipe somewhere. You may not be able to explain how, where or when it vanished. Don’t worry, that’s covered.

How it All Works

  • Estimate your rate

    Tell us what you need to insure, how much it's worth, and where you live and estimate your rate (with different options for deductibles) in less than one minute.

  • Apply for coverage

    Tell us a bit more about yourself and your jewelry and, in most cases, your coverage starts immediately. If someone else actually wears the jewelry, tell us about them too.

  • Wear your jewelry, worry free

    Rest assured that your jewelry is protected. And if something does happen, you'll get to work directly with your jeweler to repair or replace your piece, exactly like it was before.

  • File a claim

    This is where you tell us what happened. And also when we start to do things a little differently than most insurers.

Did you know

How Claims Work

When you file a claim, we don’t just cut a check and run like a traditional cash pay-out policy.

First, you let us know what happened. Then you visit your jeweler to arrange for repairs or a replacement. Once you agree your jewelry's good as new, you pay your deductible (if you chose one), and the jeweler bills us for the rest, up to your policy limit. Want more details? See our FAQs.

Jewelry Covered

We provide all types of jewelry insurance, including engagement ring insurance. Watches, earrings, and even loose stones while being set - yep, we cover those too.

Smart Jewelry
"Excellent company – reasonable rates, great coverage and prompt and courteous service. Applying is easy and claims service is exactly as advertised…wonderful."


All Things Jewelry Insurance, All in One Place

All Things Jewelry Insurance, All in One Place

We’re here to make this choice as easy as possible for you, every step of the way. That’s why we created a free, downloadable Buyer’s Guide to help you decide how to best protect your jewelry.