Jewelry Insurance: What to Know Before You Call

Why Consider Jewelry Insurance?

Your homeowners or renters insurance may not provide the level of protection you expect for valuable jewelry. Jewelry insurance can provide specialized protection for your pieces, including:

🌎 Worldwide & Travel

Your jewelry can be protected anywhere in the world, 365 days a year, so you don't have to worry about separate international coverage when traveling.

💍 Accidental Loss

If an earring falls out, a ring goes missing, or you simply can't find a piece of jewelry, accidental loss is covered.

🔐 Theft

If your jewelry is stolen, you're covered for full replacement, subject to the policy terms.

💥 Accidental Damage

Accidents happen. Damage such as a chipped stone, bent prong, or other accidental damage can be covered.

❓ Mysterious Disappearance

If you can't explain when, where, or how a piece disappeared, the policy can still provide coverage.

💎 Loss of Stones

Coverage includes the loss of a stone from your jewelry.

📈 125% Replacement Value

Coverage can provide up to 125% of the appraised value toward replacement if the value of your jewelry has increased, subject to the policy terms.

$0 Deductible

The policy has no deductible for covered claims.

🔧 Preventative Maintenance

Coverage includes certain maintenance and repairs, including:

• Prong retipping

• Broken, worn, or bent prongs

• Broken earring posts

• Clasp replacement

• Restringing broken or stretched pearl strands

• Stone tightening

🔄 Automatic Annual Value Updates

Your insured value is automatically updated annually to help keep your coverage current.

🏠 Limited Impact on Homeowners Insurance

According to the program information, a jewelry claim has limited impact on your homeowners or renters policy coverage or cost.

🤝 White Glove Claims Service

BriteCo provides a VIP claims process designed to provide personalized assistance through the claim and restoration process.

 

What You'll Need Before We Apply

Each item you want to insure needs its own appraisal and photograph.

Appraisal for Each Item

Have a current appraisal showing the value of each piece you want to insure.

Photo of Each Item

Take a photograph of each piece with a piece of paper next to it showing:

• Your name

• The date

Each item should have its own appraisal and photograph.

Keep Your Documentation

Keep your appraisals, photographs, receipts, and other documentation in a safe place. They can be useful for establishing ownership and value.

Important Eligibility Information

The application asks about your financial and insurance history, including:

• Bankruptcy

• Prior insurance claims

• Criminal history

Bankruptcy: The application uses credit information as part of the rating process. If a bankruptcy is reported, the system will flag the application and it will not proceed.

If any of these situations apply to you, let me know before we begin the application so we can determine whether this program is appropriate for you.

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Ready to Insure Your Jewelry?

Have your appraisal and photo ready for each item you'd like to insure.