The Basics of Jewelry Insurance

The Basics of Jewelry Insurance

Date Icon 25 September, 2025

Most people have insurance for some of their most expensive and important items, but one item that fits the bill is often passed over: Jewelry. Jewelry can come with a large price tag, and the possibility of it being lost, stolen or damaged always exists.

At AAA Jewelers, we encourage all our clients to investigate the proper jewelry insurance when buying from us. Here are some basic tips we can offer.

What Can I Insure?

Everything. Whether it’s a pricey wedding ring or a watch your father gave you for your birthday years ago, any and all types of jewelry can be insured. This includes rings, fine watches, earrings, bracelets, necklaces, charms and even smart jewelry.

Getting an Insurance Quote

The first step here, like with other forms of insurance, is to get an insurance quote. This will require the piece of jewelry you’re insuring to be appraised, which includes a detailed description of the item and a third-party opinion about the value of the piece.

Keep in mind that you should always go to a professional and reputable jeweler for an appraisal. Know that you can search for multiple insurance quotes at the same time if you have more than one piece.

Understanding Coverage

It’s vital for you to fully understand what’s written in your insurance policy, especially if there ever comes a time where you have to utilize it. Some insurance may not include full replacements, or may require a large deductible prior to any repairs or replacements. The more you know about your insurance, the easier it will be for you to navigate the waters when filing a claim.

Comprehensive Insurance

The best option here is comprehensive insurance, which protects you from loss, theft and damage. It even covers simple mistakes like leaving your jewelry somewhere or dropping it and having it crack on the ground. If the exact piece isn’t available for a replacement, insurance companies will replace with a comparable piece.

To learn more about jewelry insurance, or for any of our jewelry options, speak to the experts at AAA Jewelers today.