Beautiful jewelry. Thoughtful protection.

Start with the policy you have

Before requesting new coverage, ask your agent to explain how your current policy treats jewelry. Ask about the limit for an individual item, the total jewelry limit, the deductible, and which causes of loss are included. A dollar limit alone does not tell the whole story.

Ask five specific questions

Is accidental loss covered? What happens if a stone falls out? Does protection apply while traveling? How is a repair or replacement arranged? What documentation would you need at claim time? Ask for answers tied to the actual policy wording.

Know what a quote means

An inquiry is the beginning of a conversation. It does not bind insurance or guarantee a rate. Ask when protection would begin, what information is still required, and how the insurer determines the value used for coverage.

Keep a useful record

Gather your purchase receipt, clear photographs, and any existing appraisal or grading report. Ask the insurer which documents it accepts. Documentation requirements and coverage vary by company and policy.

Related reading

• When Is Jewelry Valuable Enough to Insure?
• Know the piece. Understand its value.