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Insurance Education



Get Protection & Peace of Mind with Jewelry Insurance If you've ever experienced loss, damage or theft of a special piece of jewelry, then you understand jewelry insured. Any jewelry that is worn everyday, including engagement and wedding rings, or your favorite bracelets, necklace or watch is more susceptible to damage or loss. And because many of the pieces you wear most often are also the most expenses pieces of jewelry you own, it just makes sense to have those pieces insured. When you first start researching insurance for your jewelry, you'll probably hear or read the words,"scheduled," and "unscheduled."

There is a big difference between the unscheduled coverage that is provided by your homeowners or renters insurance policy and having a scheduled policy that is dedicated strictly to coverage of your fine jewelry."Unscheduled property" is property that is covered in your main insurance, but is not specifically itemized orvalued.

These items do not warrant specific insurance and are usually associated with the original policy .A "scheduled coverage" insurance policy provides coverage to the insured items that are specifically listed (along with individual values) on the scheduled coverage policy. If you want peace of mind and full protection for your precious treasures, then a specialized jewelry insurance policy, which provides comprehensive coverage, is the policy that will fit your needs.

Specialized jewelry insurance policies provide you with coverage against events such as mysterious disappearance, or unexplained loss, which are situations that are normally not covered by a standard homeowners or renters insurance policy, or by jewelry warranties. Individual rates may vary depending on your location, but specialized jewelry insurance policies areextremely affordable.

In most instances, jewelry insurance costs 1-2% of the value of your jewelry. For example, a $7,500 custom created ring could cost as little as $75 per year to insure with a specialized jewelry insurance policy. Rates, policies and protection levels are personal decisions based on your unique pieces of jewelry, your lifestyle and your jewelry-wearing habits.

If you're considering a specialized jewelry insurance policy, or want more information on personal jewelry insurance policies, then take the first step today and speak to a member of our Jewelers Connect network. Our members understand the importance of jewelry insurance, and will be happy to walk you through the process of choosing the right policy for you and your jewelry.