Frequently Asked Questions

What doesn't a rider to my homeowners insurance cover?

Depending on your policy, a rider may leave out coverage for disappearance, one of the most common causes of jewelry loss. A jewelry rider also won't have:

  • Assurance that a claim won't affect coverage on your house and everything in it
  • The promise to work with your jeweler, the one whom you already know and who knows your jewelry
  • Jewelry experts to help you through the process
See How We Compare Jewelers Mutual Group Typical Homeowners Typical Rider
Loss checkmark X symbol checkmark
Theft checkmark checkmark checkmark
Damage checkmark Not always covered Not always covered
Disappearance checkmark X symbol checkmark
Flood or Earthquake checkmark Not always covered Not always covered
Worldwide Travel checkmark checkmark checkmark
Out-of-Pocket Cost $0 deductible option Homeowners deductible applies May have a deductible

How do I know if my jewelry is worth insuring?

If your piece was ever lost, broken, or stolen, would you be upset or unable to pay for a replacement? If the answer is yes, then it’s valuable enough to insure.

The first step is getting a free quote to see the cost of peace of mind that comes with protecting your precious jewelry.

Is my jewelry covered when I travel worldwide?

Yes – you’re covered when you travel if it’s a covered type of loss (see “What’s Covered?”). But your primary home must be within the US or Canada (excluding Québec).