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Jewelry can be a reminder of a memorable event, a personal milestone or an important person in your life. Losing a unique piece can be emotionally and financially devastating.
Fortunately, jewelry insurance can help you replace a lost item or even cover repairs.
Jewelry coverage comes in many forms: Homeowners insurance and renters insurance usually cover valuables, even when outside of the home, but most have a limit of $1,500 or $2,000. The average cost of an engagement ring in 2024 was about $5,500, according to The Knot.
You could add a floater, or a separate policy for an item included in your homeowners insurance, but that could increase your premiums and may not cover every potential scenario.
Jewelry insurance can provide broader coverage and may come with a smaller deductible — or no deductible at all.
CNBC Select has selected five jewelry insurance policies that stand out based on service, cost and breadth of coverage. (See our methodology on how we chose the best jewelry insurance companies.)
The best way to estimate your costs is to request a quote
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Jewelers Mutual policies are a strong option for those wanting more than just insurance coverage. Policies cover normal wear and tear, and can include things like prong retipping, broken or bent prongs, pearl restringing, and stone tightening. Coverage can be optioned to include a deductible.
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Jewelers Mutual Jewelry Insurance offers strong, no-deductible coverage for a low price. Its coverage also extends to some maintenance items, including repairs related to normal wear and tear. A standard policy can include things like "prong re-tipping, broken, worn or bent prongs, broken earring posts, clasp replacement, restringing of broken or stretched pearl strands and stone tightening," according to the company's website. It's a unique perk that many other jewelry insurance companies don't offer.
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The best way to estimate your costs is to request a quote
Up to $50,000 per piece, $150,000 per policy
Lavalier offers jewelry insurance policies that can cover a wide range of items and several discounts to make jewelry insurance affordable. Lavalier offers an option of deductibles to make premiums more affordable, too. This company's jewelry insurance is easily available with quotes and policy purchasing offered online.
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Lavalier offers jewelry coverage that's affordable and backed by a company with strong financial strength. There are various discounts available, such as for having a home alarm or safe, getting a gemstone grading report and keeping your jewelry in a bank vault or safe deposit box.
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The best way to estimate your costs is to request a quote
Individual Item Limit is $250,000 and Schedule Limit is $750,000
BriteCo's jewelry insurance is a strong choice for its no-deductible policies that include coverage for loss, theft, damage, and mysterious disappearance. It offers replacement values up to 125% for jewelry which has appreciated in value.
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BriteCo offers affordable coverage for engagement rings, watches and other fine jewelry pieces. While the company offers a discount to those who pay their insurance premiums annually, it does offer the option to pay monthly. Additionally, BriteCo coverage includes preventative maintenance, like prong re-tipping, wearing or bending, broken earring posts and stone re-tightening.
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The best way to estimate your costs is to request a quote
$35,000 per piece, $100,000 per policy
Gemshield policies are available online and covers everything from theft, loss, and damage to your pieces. These policies include coverage for new pieces for up to 30 days, and covers pieces worldwide.
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GemShield Jewelry Insurance offers quick, strong coverage that's suitable for many jewelry collections. This company offers a variety of deductibles to help make the price fit your budget — generally, the higher the deductible, the lower the premium. It also offers repair or replacement coverage, which ensures that your replacement will be recreated to match your original piece. Plus, GemShield offers automatic coverage for new jewelry for 30 days, so any pieces you buy will be covered temporarily until you get a chance to cover them.
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The best way to estimate your costs is to request a quote
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For those with large jewelry collections to cover, Chubb's jewelry insurance could be a good fit. Coverage can extend to new purchases, and an agreed value option can help you cover unique pieces. Policies are available as a blanket coverage for your entire collection, or by scheduling individual pieces.
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Chubb offers jewelry coverage through its Chubb Masterpiece Valuable Articles Coverage. While it does require a minimum coverage of $15,000, it could be a strong option for those who have a large collection to cover with strong ratings for financial strength and a low complaint index. You can opt to protect your entire collection with blanket coverage or itemize individual pieces, or do both.
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Jewelry insurance can be well worth the cost if you have a piece that's expensive to replace. Jewelry insurance can go one step beyond homeowners insurance coverage, covering your piece if it's accidentally lost without a large deductible. It can also help you get coverage that's specific to jewelry and covers working with your jeweler of choice instead of your insurance company's network.
Jewelry insurance usually costs about 1% to 2% of your piece's value per year.
Homeowners insurance can cover jewelry, either with or without added coverage. A standard homeowners policy has a monetary reimbursement limit for jewelry, generally between $1,500 and $2,000, and your homeowners insurance deductible would apply. Adding a floater can add more specialized coverage for an important piece of your policy, but can also add to the cost.
Ring and other jewelry-specific insurance generally cover damage and mysterious disappearances, which could include a lost diamond. Read your policy or a sample policy from the company you're considering to be sure that would be covered.
Jewelry insurance can help cover your important pieces affordably and cover damage, theft, or loss. Homeowners and renters insurance often don't provide adequate coverage for jewelry so having a separate policy can provide more comprehensive, jewelry-specific coverage.
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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every homeowners insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best jewelry insurance.
To determine the best jewelry insurance companies, CNBC Select analyzed several jewelry insurance companies in the space and compared them based on various factors.
We focused on the cost, coverage, and financial strength and National Association of Insurance Commissioners (NAIC) complaint indexes. We also considered the availability of discounts and deductible choices. Sample premiums we gathered were based on a $6,000 engagement ring in the 10012 zip code with a $0 deductible.
From there, we sorted our recommendations by the best overall and runner-up, the best for quick coverage and the best for high-value collections.
Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.
Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Every dog needs a collar, chiefly because they need something on which to hang their leash, license, ID and rabies vaccination tag.
There are so many styles of collar out there that it's easy to get one that reflects your dog's (or your) personality—but collars serve purposes beyond identification and decoration and not all kinds of collars are appropriate for all, or even any, dogs.
This is the standard collar for dogs. It has a buckle or plastic snap ("quick-release") closure and a ring for attaching identification tags and leash and is available in many colors and designs. A flat collar should fit comfortably on your dog's neck; it should not be so tight as to choke your dog nor so loose that they can slip out of it. The rule of thumb says you should be able to get two fingers underneath the collar.
The martingale collar is also known as a limited-slip collar. This collar is designed for dogs with narrow heads such as Greyhounds, Salukis, Whippets and other sighthounds. It is also useful for a dog of any breed who is adept at slipping out of their collar or for fearful dogs who may try to retreat while out on a walk. A martingale collar is a must-have for anxious and fearful dogs.
The martingale consists of a length of material with a metal ring at each end. A separate loop of material passes through the two rings. The leash attaches to a ring on this loop. When your dog tries to back out of the martingale, the collar tightens around their neck. If the collar is properly adjusted, it will tighten just to the size of your dog's neck, without choking them. This is the most humane collar option for dogs who may slip out of their collars.
The head collar is similar in principle to a horse's halter. One strap of the collar fits around your dog's neck and sits high on the head, just behind the ears. The other strap forms a loop around your dog's muzzle. The leash attaches to the ring at the bottom of the muzzle loop.
The head collar is good for strong, energetic dogs who may jump and/or pull. Because the halter is around your dog's muzzle, instead of their neck, your dog loses a great deal of leverage and they are unable to pull on the leash with the full weight of their body.
To be effective, the head collar must be properly fitted. As with any training equipment, the head halter is not intended to be used in a jerking or yanking fashion but rather to gently steer your dog in the direction you need them to go. Some manufacturers include instructions and a DVD with the collar. Otherwise, ask your dog trainer or a knowledgeable sales clerk for assistance with fitting. Proper fit and use should minimize the risk of injury to your dog.
It may take some time, patience and lots of treats to get your dog accustomed to wearing a head collar. Put it on them for short periods while giving your dog lots of high-value treats until your dog is comfortable in the collar. Then they should only wear it when you are taking them out on a leash. Don't leave the head collar on your dog all the time; eventually they will manage to pull off the muzzle loop and use it as their chew toy!
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