Protect What’s Irreplaceable with Dedicated Jewelry Insurance
Whether you prefer specialized standalone policies through premier providers like **BriteCo** and **Jewelers Mutual**, or adding a valuable items rider to your home insurance, Kaufman Insurance Group helps you secure $0-deductible, worldwide coverage against loss, damage, and theft.
How Jewelry Coverage Actually Works
Most people assume their standard homeowners insurance fully protects expensive jewelry. Here is how standard policy limits work—and why standalone policies or scheduled endorsements are vital.
Standard Home Policy
⚠️ Subject to Strict Sub-Limits
Standard home/renters policies cap jewelry theft payout at $1,500 total (not per item).
- High home deductible ($1,000+) applies
- Mysterious disappearance usually excluded
- Claims can trigger home insurance rate hikes
Home Scheduled Endorsement
🛡️ Added to Existing Home Policy
Itemizes valuable pieces directly on your homeowners policy with custom appraised values.
- $0 deductible on scheduled pieces
- Covers accidental loss & mysterious disappearance
- Convenient single bill with your home insurance
Standalone Specialty Policy
⭐ Gold Standard Protection (BriteCo / Jewelers Mutual)
Dedicated jewelry policies completely separate from your home insurance.
- Zero impact on home insurance premiums if a claim occurs
- Up to 125% replacement value inflation protection
- Worldwide loss, damage, theft & stone tightening
Our Premier Standalone Carriers
We partner with industry-leading specialist insurers to give you instant, comprehensive protection.
BriteCo™ Jewelry Insurance
Instant Digital Coverage
BriteCo provides tech-forward, comprehensive fine jewelry and watch protection backed by A+ rated carriers.
- 125% Replacement Coverage: Protects against market appreciation of diamonds and precious metals.
- $0 Deductible Standard: No out-of-pocket expenses when repairing or replacing lost items.
- Preventative Maintenance: Covers stone re-tipping, prong retightening, and clasp repairs.
- Worldwide Travel: Continuous protection anywhere in the world.
Jewelers Mutual Group
110+ Years Experience
Trusted since 1913, Jewelers Mutual is the nation’s oldest specialty insurer dedicated exclusively to jewelry.
- Work with Your Choice Jeweler: Rebuild or replace lost pieces with your trusted personal jeweler.
- Same-Kind & Quality Replacement: Ensures exact gemstone cut, clarity, color, and metal match.
- Flexible Deductible Options: Choose from $0 up to $25,000 to customize your annual premium.
- Comprehensive Cause Coverage: Includes disappearance, theft, loss, and accidental damage.
Valuable Items We Insure
Beyond engagement rings, we protect a wide range of luxury personal property.
Insure Your Engagement Ring or Fine Jewelry in Minutes
Jewelry insurance usually costs just 1% to 2% of the item’s value per year ($100–$200 annually for a $10,000 ring). Compare standalone specialty rates with homeowners riders in one step.
Jewelry & Valuables FAQ
Do I need an appraisal to insure my jewelry?
For items valued under $5,000 to $10,000, many carriers (like BriteCo) accept a detailed store receipt, invoice, or purchase agreement. For higher-value items, a formal appraisal from a certified gemologist is typically required.
Why choose standalone jewelry insurance over scheduling on my home policy?
Standalone policies through BriteCo or Jewelers Mutual protect your homeowners claims record. If you lose a ring on vacation, claiming it on a standalone policy won’t increase your home insurance premium or risk non-renewal of your home policy.
What happens if the price of gold or diamonds increases over time?
Specialist insurers like BriteCo include inflation protection (up to 125% of the scheduled value) to ensure you can replace your item even if market prices for diamonds or gold rise after your appraisal.
Protect Your Valuables Today
Fill out our quick form above or consult with an advisory specialist at Kaufman Insurance Group.