Jewelry insurance

Jewelry Insurance

Your engagement ring, family heirlooms, and valuable jewelry deserve better protection than your standard homeowners policy provides. Most homeowners policies include coverage limits for jewelry that might only cover a fraction of what your pieces are worth. Specialized jewelry insurance removes those limits and provides broader coverage, including loss scenarios that homeowners policies typically exclude.

Standalone jewelry policies cover loss, theft, damage, and mysterious disappearance of your valuable pieces. If your ring slips off at Buffalo Springs Lake or your necklace disappears, standard homeowners insurance likely won't cover it. Jewelry insurance covers these situations without the high deductibles typical of homeowners policies, often providing replacement without any deductible at all.

Getting your jewelry appraised establishes its value for insurance purposes and ensures you'll receive adequate compensation if something happens. Insurers typically require recent appraisals for high-value items, and updating appraisals every few years accounts for changes in metal and gemstone values. Your policy should cover the actual replacement cost, not some arbitrary limit that leaves you paying the difference.

Coverage travels with you, protecting your jewelry whether you're in Lubbock, traveling across Texas, or anywhere in the world. This matters for engagement rings, wedding bands, and other pieces you wear regularly rather than keeping locked in a safe. The relatively low cost of jewelry insurance compared to the value of what you're protecting makes it a smart choice for anyone with pieces worth more than the limits on their homeowners policy. We'll help you find coverage that protects your valuable jewelry completely without overpaying for unnecessary coverage.