Jewelry Insurance From a Local, Independent Advisor
Most homeowners and renters policies include only a small limit for jewelry theft, often a few thousand dollars or less, and they may not cover a stone falling out of its setting or a ring lost down the drain. Jewelry insurance closes that gap.
Trailmark helps you protect your most valuable pieces, either by scheduling them on your home or renters policy (a personal articles floater) or with a standalone jewelry policy, so each item is covered for its appraised value.
What Jewelry Insurance Covers
Loss and mysterious disappearance
Coverage when a ring slips off or a piece simply goes missing.
Theft
Protection at home, at the gym or on vacation.
Accidental damage
Chipped stones, broken prongs and other everyday damage.
Worldwide coverage
Your jewelry is protected wherever you travel.
Appraised value
Each scheduled item is insured for its documented value.
Low or no deductible options
Many scheduled jewelry policies carry little or no deductible.
What You'll Need to Insure Your Jewelry
Insuring jewelry is simple. For most pieces, you'll need a recent appraisal or a sales receipt showing the item's value. We recommend updating appraisals every few years, because gold, platinum and diamond prices change.
Keep photos of each piece and store your appraisals somewhere safe outside your home, or in the cloud.
Popular Items to Insure
- Engagement rings and wedding bands
- Luxury watches
- Family heirlooms
- Earrings, necklaces and bracelets
- Anniversary and milestone gifts
Jewelry Insurance FAQs
Does homeowners insurance cover my engagement ring?
Only up to a limited amount for theft, and often not at all if you simply lose it. Scheduling your ring gives it its own coverage at its appraised value.
How much does it cost to insure an engagement ring?
Cost depends mainly on the ring's value and where you live. Scheduled jewelry coverage is typically affordable compared to the value it protects, and we'll quote it for you for free.
Do I need an appraisal to insure jewelry?
Usually, yes. A current appraisal or receipt documents the item's value and helps any future claim go smoothly.
