Insurance for

Jewelry Collections

Got a jewelry box that could make a treasure chest blush? Or maybe you found the Heart of the Ocean necklace from Titanic. No matter what kind of jewelry you’re holding onto, it deserves to be protected, doesn’t it? 

What Is Jewelry Insurance?

Simply put, jewelry insurance is a policy designed to cover your jewelry (any kind you specify – from rings to Rolexes, it’s all good). 

In exchange for the premiums you pay, your insurance carrier will reimburse your financial losses – or even replace the item – in the event of theft, mysterious disappearance, or damage up to its specified value.

Is My Jewelry Covered under Homeowners Insurance?

Yes, but coverage under your homeowners policy is limited to only a small number of causes, like theft, and has a cap of $1,500. 

If you want to make sure you’re covered for the full value (should a super-expensive bauble get stolen, for example), you’ll need an additional policy or endorsement.

A more comprehensive coverage option is to schedule personal property coverage. This covers a greater number of risks and will generally cover the full value of higher-priced items that exceed the regular policy’s limit. 

The scheduling process involves listing each specific item to be covered and its value – determined by an appraisal.

How Do I Insure My Jewelry?

First, you’ll want to contact an insurance agent. They’ll run you through all the ins and outs of the entire ordeal, including:

  • Know what jewelry you want coveredThen call up your independent agent and let ‘em know — they’ll help you get things rollin’. 
  • Schedule an appraisalEvery local jeweler probably has expertise in appraisals – your agent might even be able to get you hooked up with one. Your insurance company will need to know the exact value of your jewels (based on quality/cut/etc.). This process (usually) isn’t free, but it’s a small price to pay to get to the protection your shiny things need.
  • Fill out the important paperwork. Submit the official, verifiable documents from the appraisal to your insurance company.
  • Hit “redial” and chat with your agent again. They’ll be able to help you take it from here. 
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Jewelry Collections Coverages

From break-ins to pickpocketing.


Such as a stone falling out of a necklace or ring. 

Destruction and damge from a fire.

- Jewelry Insurance -

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