Jewelry Insurance | AA Lares Insurance

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Jewelry Insurance

We've been building affordable jewelry insurance for over 20 years now,

protecting our members, their families, and their precious assets.

Jewelry Insurance

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Protect Your Most Treasured

Jewelry is personal. It recalls emotions, special moments, and major milestones in your life, which is why it's devastating if the jewelry that represents special moments in your life is damaged, lost, or stolen. A jewelry insurance policy is the best way to make sure your favorite items are protected.

How much does jewelry insurance cost?

Rates depend on where you live. But for most people, jewelry insurance will cost 1-2% of the value of your jewelry. For example, a $5,000 engagement ring could cost as little as $50 per year to insure.

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WHY BUY JEWELRY INSURANCE?

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Comprehensive Coverage- A specialized insurance policy provides comprehensive coverage. This includes coverage against scenarios— like mysterious disappearance (or unexplained loss)— that may not be covered by standard homeowners or renters insurance or by warranties.

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Benefits of Jewelry Insurance - choose your own deductibles, worldwide travel protection, work with your choice of jeweler, no need for multiple estimates, and fast, compassionate claims, with no adverse effect on homeowners or renters policy.

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What is not covered with a jewelry policy?

• Wear and Tear: Even with the best care, damage can happen over the years. Scratches and tarnishes are expected and won't be covered.

• War and Authority: Uncommon, but loss or damage due to war, military action, nuclear hazard, or confiscation by civil authority isn't covered.

• Pests: If rodents or insects nibble on your heirloom jewelry, that's not covered.

• Intentional Actions: You couldn't file a claim for purposely damaging or losing your jewelry. If you sell your earrings and the check bounces, that's also not included.

Protect Your Most Treasured

How much does jewelry insurance cost?

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WHY BUY JEWELRY INSURANCE?

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What is not covered with a jewelry policy?

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• Wear and Tear: Even with the best care, damage can happen over the years. Scratches and tarnishes are expected and won't be covered.

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• War and Authority: Uncommon, but loss or damage due to war, military action, nuclear hazard, or confiscation by civil authority isn't covered.

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• Pests: If rodents or insects nibble on your heirloom jewelry, that's not covered.

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• Intentional Actions: You couldn't file a claim for purposely damaging or losing your jewelry. If you sell your earrings and the check bounces, that's also not included.

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