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What is jewelry insurance?

Your collection of jewelry reflects treasured memories and symbolizes your feelings for loved ones. Your wedding band serves as a reminder of your wedding day. Maybe you have a necklace that was a birthday gift from your mother. Each piece of jewelry is unique and valuable beyond the dollar worth. Jewelry insurance can protect your precious keepsakes from loss, damage or theft.

Standard homeowner insurance policies provide limited jewelry coverage, which is often lower than the value of your collection. These polices typically have several exclusions. Specialized jewelry insurance generally covers most incidents. Your jewelry is a part of your everyday life. Damages can occur, and gemstones can fall out.

 

What does jewelry insurance cover?

Jewelry insurance coverage varies by policy, but often includes damages, loss, theft and even mysterious disappearance. The ultimate goal is to repair or recreate your piece of jewelry to preserve your fondest memories. Every tiny detail, from gemstone quality to personalized engravings, is accounted for during recreation.

When filing a claim, you will likely need an appraisal by a qualified jeweler to determine the value of the piece and to assist with repairs or recreation.

 

Ask an agent

We work with a variety of insurance providers to find you the best policy to suit your needs. We do the shopping for you so you can spend a little extra time polishing that beautiful necklace or beloved diamond ring.  Call us today at 636.391.0700, email us at questions@oberle-risk.com, or click here to get started on a free quote.

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