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Jewelry Insurance: The Final Touch on a Gift Meant to Endure

A lot of thought goes into buying jewelry, either as a gift to someone special or a special gift to oneself.

Because of that, it makes sense not just to wrap up the purchase with fancy packaging. – but also with a good insurance plan.

Considering the frequency of jewelry thefts and the possibility of incurred damage or loss, related insurance is a sound investment of protection and peace of mind.

While your standard homeowners insurance covers jewelry, it has its limits. When dealing with valuable jewelry worth tens of thousands of dollars, that coverage may not be sufficient for replacement costs.

To set things straight, here’s a basic jewelry insurance guide.

Four Important Facts about Jewelry Insurance

  • Compiling a list of all jewelry items in your possession may reveal that the combined worth will exceed your homeowners limits in the event of a claim. Added extra insurance would be the solution. 

  • Coverage options include international coverage for travelers, actual cash value, or replacement value - all of which your insurance agent can explain.

  • Depending on the insurance company, you may need a jewelry appraisal to establish associated value.

  • You may also need to have pictures taken of your inventory of jewelry.

Speaking with an experienced insurance agent will help you define what type of insurance is best for you and your lifestyle and if sentimental value is a factor in the value of your piece.


PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: Purchasing jewelry as a gift for Valentine’s Day or any other special occasion is a great way to win someone’s heart. Learn how to protect the jewelry you put so much thought into with related insurance protection.


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