Best Jewelry Insurance Companies Of 2025- Do you have good-looking jewelry, such as an engagement ring or a luxury watch? It is very important and necessary to protect your jewelry with the best jewelry insurance. Standard homeowners insurance policies have limited theft coverage, and your property portion of a home insurance policy may not be enough to cover treasured jewelry and all your other belongings.
You might think that your jewelry is covered under your home insurance policy. However, a lot of insurance companies limit the coverage they will pay per claim. According to the Insurance Information Institute, the characteristic sub-limit for jewelry is around $1,500, though a lot have the choice to raise it for an additional cost. However, there are other options available, with negative effects or no deductible on your home insurance premium.
What Is Jewelry Insurance?
Jewelry insurance is a type of property insurance policy that precisely covers good-looking jewelry, such as necklaces, watches, rings, earrings, and occasionally even loose gemstones. The insurance company pays to replace or repair the item if your covered jewelry gets lost, stolen, or even damaged.
Types of Jewelry Insurance
There are only two main ways to get morejewelry insurance than what you will get in a basic home insurance policy. They include:
Add a Floater to Homeowners Insurance
This is a way to insure jewelry outside the coverage limits of a home insurance policy. By arranging your property, like jewelry, you can protect it for its full value, accounting for theft. Get in touch with your present home insurance company to schedule jewelry. It is likewise known as an endorsement.
Buy Stand-Alone Jewelry Insurance
A specialized jewelry insurance policy offers the most all-inclusive protection for your items (jewelry). You can protect your jewelry for its full value, and stand-alone jewelry insurance policies also offer coverage for secretive vanishings. This means that you do not know when or how the item vanished.
Additionally, if you need to claim on a stand-alone jewelry insurance policy, it will never affect your home insurance rates. Note that claims on a home insurance policy can result in a rate increase at the next renewal time.
The Best Jewelry Insurance Companies Of 2025
Based on some research, experience, and the criteria made, the lists below are some of the best specialized jewelry insurance companies of 2025. They all include:
GemShield
GemShield is one of the best-picked jewelry insurance companies of 2025. Its minimum yearly premium of $20 is an exceptional choice if you do not have any expensive jewelry to protect. However, they will cover jewelry up to about $35,000 in value and about $100,000 per policy. Jewelry valued at more than $5,000 needs an assessment of not more than 18 months, but lower-cost jewelry only needs a complete sales receipt. The GemShield policy will be responsible for the repair or the replacement of your jewelry with the same quality and kind, and you can select your jeweler.
Lavalier
This is also among the selected best jewelry insurance companies of 2025. Although Lavalier’s minimum premium is about $50, they provide a lot of discounts to assist in keeping costs low, such as having a home alarm, home safe, Gem ID, or safety deposit box. You can list jewelry up to about $50,000 each and about $150,000 per policy. Lavalier provides an unscheduled jewelry authorization in coverage amounts from the range of $1,000 to $5,000 for cheap jewelry you don’t have appraised. Note that these jewelry won’t have coverage for secretive vanishings.
State Farm
This company provides a stand-alone personal articles policy for jewelry keepsakes; equipment, including silverware, cameras, computers, and sports equipment; and health-related items, like mobility aids, hearing aids, prosthetics, and medical devices. It is also one of the best jewelry insurance companies of 2025. The policy premium rests on the article, but there is naturally no deductible. State Farm is responsible for the repair or replacement of the item.
BriteCo
BriteCo is also part of the selected best jewelry insurance of 2025. This company will cover the jewelry at 125% of the review amount when you buy jewelry insurance coverage for its assessed value, the maximum amount we found. They have high coverage limits as well, up to about $150,000 per piece of jewelry and $350,000 per policy. The lowest premium is about $50 yearly, although you can pay per month, but you will get a discount for paying in full.
Jewelers Mutual
Jewelers Mutual provides replacement-only coverage at 100% appraised value with a minimum of about $25 premium. Although they don’t offer a monthly payment option, you could qualify for a payment plan if your yearly premium is more than $200. Through Jewelers Mutual you can cover good-looking jewelry items, such as watches, custom pieces, and loose gemstones.
Lemonade
Do you have a home, condo, or renter’s insurance through Lemonade? Their extra coverage authorization can cover planned jewelry items, fine arts, bikes, musical instruments, and cameras. You should know that things you have for a minimum of five years need an appraisal, while items you have for less only need a receipt. Scheduled jewelry is covered for accidental damage and secretive vanishing, while unscheduled jewelry is not.
WAX
WAX obtained the lowest premiums of the jewelry insurance providers for jewelry, which makes it one of the selected best jewelry insurance companies of 2025. There are high coverage limits of about $1 million or even more, and appraisals are only needed for jewelry worth $100,000 or more.
Zillion
Zillion can protect your jewelry from theft, loss, damage, or other unexpected conditions. The best part is that it will cost you $0 out of pocket for replacement or repair, which makes it one of the best jewelry insurance companies of 2025. Another additional bonus is that Zillion’s coverage is worldwide, so even when traveling the world, you are fully covered.
Chubb
If you have a large collection of jewelry, Chubb might be the best insurance company option for you. It is also one of the best jewelry insurance companies of 2025. There is no specific dollar limit, and the guarantor will pay up to about 150% of your jewelry value to account for gratitude. You will likewise receive automatic coverage for new jewelry items for up to about 90 days to give you time to add them to your list of items.
JIBNA
JIBNA stands out for its well-organized claim-handling process, which makes it part of the best-picked jewelry insurance companies of 2025. The company prides itself on offering fair and well-organized claim payouts with the option for replacements, repairs, or a cash settlement. It provides all-risk coverage for most jewelry types, competitive premiums, and personalized claims handling.
