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Jewelry Insurance is a specialized policy that provides comprehensive protection for your most treasured pieces—engagement rings, luxury watches, heirloom necklaces, and designer collections. Unlike a standard homeowner’s policy, which typically limits jewelry coverage to $1,500-$2,500 and excludes common loss scenarios, this standalone coverage offers Agreed Value protection (guaranteed payout without depreciation), worldwide coverage, and protection against mysterious disappearance. It provides critical defense for items whose emotional and financial value far exceeds what basic policies can protect.
Most homeowners assume their jewelry is protected, only to discover devastating gaps after a loss. Standard policies impose strict sub-limits, typically capping jewelry claims at $1,500 regardless of actual value. Worse, they often exclude “mysterious disappearance”—when your ring simply vanishes without proof of theft. According to the FBI, property crime losses exceed billions annually, with jewelry ranking among the most targeted valuables. If your $15,000 engagement ring slips off at the gym and is never found, a basic policy may pay you nothing at all.
A $5,000 engagement ring has very different coverage needs than a $200,000 vintage watch collection. We match your specific pieces—from everyday wear to museum-quality heirlooms—with carriers that specialize in high-value personal property.
Select your jewelry type below to instantly start a custom quote built for your treasured items.
Your most meaningful pieces deserve absolute protection against life's unpredictable moments.
Common Items
Tiffany, Cartier, Harry Winston, Custom Designs
High-value timepieces appreciate over time—your coverage should reflect their true market value.
Common Items
Rolex, Patek Philippe, Audemars Piguet, Omega
Vintage and designer jewelry often holds irreplaceable sentimental value beyond its appraised worth.
Common Items
Van Cleef & Arpels, Bulgari, Vintage Cartier, Estate Collections
| Feature | Standard Homeowner's Policy | The "Dream" Protection Plan |
|---|---|---|
| Coverage Limit | ✖ $1,500-$2,500 cap | ✔ Full Appraised Value |
| Mysterious Disappearance | ✖ Not Covered | ✔ Fully Covered |
| Worldwide Protection | ✖ Limited to Premises | ✔ Global Coverage Included |
| Claim Payout Method | ✖ Actual Cash Value (Depreciated) | ✔ Agreed Value (Guaranteed) |
| Stone Replacement | ✖ May Require Upgrade Fee | ✔ Matched Quality Guaranteed |
Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.
If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.
Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.
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Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
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