Jewelry insurance, made simple.
Protect your rings, necklaces, and heirlooms with coverage from top insurers - compare quotes in minutes.
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Don't settle for a single quote. Our comparison engine scans the industry's premier underwriters so you can evaluate rates, terms, and coverage options side-by-side. From theft and loss to mysterious disappearance, you have total transparency.
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Jewelry insurance, explained
Everything you need to know before you insure your jewelry
How much does jewelry insurance cost?
Usually about 1–2% of the piece’s value per year. An $8,000 engagement ring typically costs around $80–$160 a year with a specialist jewelry insurer.
What affects the price
- Value: premiums scale with the appraised or replacement value.
- Location: your ZIP code. Cities usually cost more than rural areas.
- Deductible: a higher deductible lowers the premium.
- Storage: a home safe or monitored alarm can reduce it.
- Claims history: past jewelry claims can raise your price.
| Piece | Value | Cost per year |
|---|---|---|
| Gold wedding band | $1,500 | $15–$30 |
| Diamond stud earrings (1 ct tw) | $3,000 | $30–$60 |
| Diamond pendant necklace | $5,000 | $50–$100 |
| Engagement ring (1 ct) | $8,000 | $80–$160 |
| Diamond tennis bracelet | $12,000 | $120–$240 |
| Diamond cocktail ring (3 ct) | $35,000 | $350–$700 |
Illustrative yearly premiums at 1–2% of value. Your price depends on the insurer, where you live, your deductible and how you store your jewelry.
What does jewelry insurance cover?
Most standalone jewelry policies cover loss, theft and accidental damage, at home and while traveling, and repair or replace the piece with one of like kind and quality.
Usually covered
- Loss, including “mysterious disappearance” when you can’t say how it happened
- Theft, at home or while traveling
- Accidental damage, such as a chipped or lost stone
- Pieces in transit to a jeweler for repair, with many insurers
Usually not covered
- Normal wear and tear or gradual deterioration
- Intentional damage
- Pieces you no longer own
Exact terms vary by insurer, so check the policy before you buy.
Jewelry insurance vs. homeowners insurance
Homeowners and renters policies often cap jewelry theft at around $1,000–$2,500 in total, and many exclude loss. A standalone jewelry policy covers each piece up to its listed value.
| Coverage | Jewelry insurance | Homeowners insurance |
|---|---|---|
| Lost or mysterious disappearance | Usually covered | Often excluded |
| Theft | Up to the listed value | Often capped at $1,000–$2,500 total |
| Accidental damage | Usually covered | Often excluded |
| Away from home | Typically worldwide | Varies by policy |
| Deductible | Often low or $0 | Your home deductible |
| Effect on home premium | None, it’s a separate policy | Claims can raise it |
What do you need to insure jewelry?
Usually a receipt or appraisal and a few clear photos. Most insurers don’t need anything to give you a quote.
- A receipt or appraisal listing the metal, stones, carat weight and quality. Higher-value pieces usually need a recent appraisal.
- Clear photos of each piece, including any engraving or hallmarks.
- A grading report from a gem lab such as GIA, IGI or AGS, if you have one. Some insurers give a discount for it.
See what it would cost for your jewelry
Answer a few questions and compare quotes from licensed insurers in about a minute.
Compare quotesFAQ
For pieces worth more than a few thousand dollars, usually yes. At about 1–2% of the value a year, ten years of coverage typically costs less than replacing the piece once.
Most standalone jewelry policies cover a stone that falls out or chips, as loss or accidental damage. Check the policy terms, since some insurers set conditions such as periodic checks of the setting by a jeweler.
No - AION is an independent comparison service. We match you with vetted, licensed insurers like Chubb, and the policy and any claim are handled directly by the insurer you choose.
Most homeowner's policies cap jewelry theft at around $1,000–$2,500 in total, and often exclude mysterious disappearance. AION compares standalone policies that cover each piece at its full appraised value, so you can find protection that closes that gap.
Many of the policies we compare have zero deductible on covered claims - we'll flag which ones do before you choose so there's no surprise later.
Only if the policy you choose reflects the current value. We recommend an annual check-in, or an easy in-app update, so the coverage you compare keeps pace with the market and not just your original receipt.
For most pieces, a clear photo and a description of the piece are enough to get matched with quotes. Rare or custom pieces may need a short appraisal - we'll tell you upfront if an insurer requires one.
That depends on the insurer you choose. Most offer the option to buy the piece back at the amount paid out, or let the insurer keep it and keep your payout as-is. We'll show you each insurer's policy on this before you decide.