Personal Jewelry Insurance

Jewelry insurance from actual jewelry experts.

Retrieve your saved quote or application

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.

More about our history

What’s 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.

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.

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

Estimate Your Rate - Right Here, Right Now

Rates depend on where you live. But for most people, jewelry insurance costs 1-2% of the value of their jewelry.

For example, a $10,000 ring costs about $100 per year to insure.

I want to insure a

Jewelery Type is required.

It's valued at about

Jewelry value is required. Please enter a valid amount. Value must be between 1 and 10000000.

My zip/postal code is Spinning Icon Zip/Postal Code is required. Please enter a valid zip/postal code. We're sorry. Coverage isn't available in your area.

Select the correct state:

State is required.

Select the correct county:

County is required.

Your Rate Estimate

valued at in

/ year

$0 deductible

Want to add more items, change our deductible or apply for coverage?

GO TO FULL QUOTE

An error has occurred on our end. Refresh the page and try again. If the problem persists, call us at 888-884-2424.

What Our Policyholders Say

What about homeowners?

Jewelry is covered under typical renters and homeowners insurance policies. But that coverage is usually subject to a limit of a couple grand, and even a rider or floater has its limitations.

How it All Works

1

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.

2

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.

3

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.

4

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.

How Claims Work

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.

DOWNLOAD YOUR GUIDE