JEWELRY INSURANCE
Protect Your Sparkle with Abbott Insurance
Jewelry isn’t just metal and stones—it’s love, milestones, and memories wrapped in gold and silver. Whether it’s your engagement ring, a vintage watch, or that necklace you had to have, your treasures deserve protection. Abbott Insurance makes sure you can wear them with confidence, knowing they’re covered against life’s unexpected moments.
Why a Separate Jewelry Policy is the Smart Choice
Most people assume their homeowners insurance has them covered, but filing a jewelry claim through your home policy can be a costly mistake. Here’s why:
🚫 Home insurance has low jewelry limits – Most policies cap coverage at $1,000-$2,000 total, which is rarely enough.
🚫 Jewelry claims can increase your home premium – Even a small claim can cause rate hikes or even policy non-renewal in some cases.
🚫 Mysterious disappearance isn’t always covered – If your ring vanishes without clear proof of theft, your homeowners policy may not cover it.
Trivia Time! 🎉
With a separate jewelry policy from Abbott Insurance:
✔ You get full coverage for loss, theft, damage, and even disappearance
✔ Your home insurance remains untouched, keeping your premium stable
✔ You can work with your jeweler of choice for repairs or replacements
✔ You get worldwide protection, whether you’re home or traveling
A dedicated jewelry policy is designed specifically for your valuables, so your home policy stays clean, and your jewelry stays protected!
How It Works
We offer standalone jewelry insurance designed to go beyond standard homeowners coverage. Why? Because while home insurance may cover jewelry, it often comes with low limits and restrictions that leave your most valuable pieces vulnerable.
With a dedicated jewelry policy, you get:
✅ Comprehensive protection – Covers loss, theft, damage, and even disappearance
✅ Worldwide coverage – Travel the world without worry
✅ Repair or replacement – Work with your jeweler of choice to restore your piece to its original beauty
✅ No impact on homeowners insurance – A separate policy keeps your home insurance premium safe from jewelry claims
And the best part? Coverage is affordable, typically 1-2% of your jewelry’s value per year. That means a $5,000 ring could be covered for around $50-$100 annually—small price for peace of mind!
Common Myths About Jewelry Insurance
🚫 My homeowners policy is enough.
➡ Reality: Most home policies cap jewelry coverage at $1,000-$2,000—far less than what many pieces are worth. Plus, they often don’t cover mysterious disappearance!
🚫 I never take my jewelry off, so I don’t need insurance.
➡ Reality: Even at home, accidents happen. A prong can break, a stone can loosen, and—let’s be real—rings love disappearing down sink drains!
🚫 Jewelry insurance is too expensive.
➡ Reality: On average, coverage is just 1-2% of the jewelry’s value per year—much more affordable than replacing a lost or stolen piece out-of-pocket.
🚫 I’ll just use my jeweler’s warranty.
➡ Reality: Warranties often only cover manufacturer defects, not loss, theft, or accidental damage. Jewelry insurance ensures full protection.
Frequently Asked Questions
Jewelry insurance covers loss, theft, damage, and even mysterious disappearance, ensuring your valuable pieces are protected no matter what happens. Unlike homeowners insurance, a standalone policy provides full coverage without claim limits or restrictions.
Most homeowners policies only cover jewelry up to $1,000-$2,000, leaving high-value items underinsured. Plus, filing a jewelry claim can increase your home insurance premiums. A dedicated jewelry policy gives you complete protection without impacting your home coverage.
Jewelry insurance is surprisingly affordable—typically 1-2% of your jewelry’s value per year. That means a $5,000 ring could be covered for just $50-$100 annually, providing peace of mind for pennies a da
For most pieces, yes—an appraisal or receipt helps ensure you’re fully covered. This guarantees your jewelry is insured for its proper value, allowing easy repair or replacement if something happens.
Yes! Our worldwide coverage means your jewelry is protected whether you’re at home, on vacation, or halfway across the world. No need to leave your favorite pieces behind!