Jewelry Insurance That Safeguards Sentimental Value

Coverage For The Pieces You Never Want To Lose

Jewelry is more than just valuable. It often carries personal meaning, representing life’s milestones, memories, and relationships. From engagement rings to family heirlooms, we help Hawaii residents protect their most meaningful items from loss, theft, and damage. Our team will guide you through coverage that fits both your lifestyle and the true value of your pieces.

What Jewelry Insurance Can Cover

A black and white drawing of a necklace and a shield.

Theft and Loss

Provides coverage if your jewelry is stolen or goes missing, whether at home, while traveling, or out in public.

A black and white drawing of two wedding rings with a diamond in the middle.

Damage Protection

Covers accidental damage to your jewelry, including broken clasps, chipped stones, or bent prongs.

A black and white drawing of a bag of money under an umbrella.

Mysterious Disappearance

Protects against situations where your item is lost without a known cause and there’s no evidence of theft.

A black and white drawing of a diamond on a white background.

Agreed Value Coverage

Your payout is based on an appraised and agreed-upon value, ensuring you receive accurate compensation if you file a claim.

Common Questions About Jewelry Insurance

  • What types of jewelry can I insure?

    Coverage is available for rings, necklaces, earrings, watches, bracelets, and other high-value or sentimental items. Whether it's a wedding band or a family heirloom, we’ll help you determine what’s eligible and ensure it’s protected properly.

  • Is jewelry covered under my home insurance policy?

    Standard homeowners policies often include very limited coverage for jewelry, usually with low limits and exclusions. A standalone jewelry policy gives you more complete protection that is specifically designed for high-value items.

  • Will I need an appraisal?

    Most insurance companies do require a recent professional appraisal to determine the item’s value. This helps ensure your coverage is accurate and simplifies the claims process if something happens. We can help you navigate this step.

  • Am I covered while traveling?

    Yes. Jewelry insurance typically provides worldwide protection, so you’re covered whether your item is lost at home, misplaced on vacation, or stolen abroad.

  • What does jewelry insurance cost?

    The cost depends on the value of your jewelry and the level of coverage you choose, but it’s often very affordable. We’ll provide options so you can protect your most meaningful pieces without overspending.