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Jewelry insurance reimburses you if a precious piece gets lost, stolen or damaged. Some policies also cover your jewelry should it straight up disappear. Plus, you could get coverage for pre-emptive repairs, like stone tightening, restringing, re-posting, re-pronging or re-clasping.

Your favorite pieces of jewelry aren’t just metal and stone. They’re reflections of who you are. It’s devastating to have jewelry that represents special moments in your life get damaged, lost, or stolen.

Why buy jewelry insurance?

A specialized jewelry insurance policy provides comprehensive coverage. Coverage against scenarios—like mysterious disappearance (or unexplained loss)—that may not be covered by standard homeowners or renters insurance or by warranties.

How much does jewelry insurance cost?

Rates depend on where you live. But for most people, jewelry insurance will cost 1-2% of the value of your jewelry. For example, a $5,000 engagement ring could cost as little as $50 per year to insure.

All types of jewelry is covered, from engagement rings and wedding bands to watches, earrings and even loose stones while they are being set. You can complete the application in about 10 minutes and, in most cases, be insured as soon as it’s received.

What’s covered with a jewelry policy?

  • 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. Don’t worry, it’s covered.
  • Theft—We all know that feeling of dread when something we cherish is stolen. 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. Also covered.
  • Disappearance—Sometimes jewelry just disappears—it could be lost, stolen or hanging out in a drainpipe somewhere. Don’t worry, that’s covered.

Jewelry is expensive and, like all other very costly things, it’s worth insuring. Now, basic renters insurance or homeowners insurance come with some bauble coverage. But those policies have limits when it comes to pricey items that tend to go missing — ahem, jewelry — in order to keep premiums down. So, if you’ve got a box full of diamond earrings, gold chains and platinum anything— or you own the Heart of the Ocean — jewelry insurance is an option.

Coverage for jewelry is often limited on insurance policies. A lot of times, coverage depends on how much your jewelry is worth and the type of loss (theft, fire, etc.). Long story short: If you want to be sure your jewelry is fully covered, you need to add it to your policy.