The Best Jewelry Insurance in 2026

BriteCo: Top Pick for Jewelry Insurance

Pros

• The easy online process provides a quote in seconds and a policy in minutes.
• Customers can save up to 40% compared to homeowners riders and other specialized insurance competitors.
• Zero deductibles means there are no out-of-pocket expenses.
• BriteCo does not report jewelry claims to data services, which means there’s no impact on your homeowners policy.
• The claims process is fast and attentive.

Cons

• Customers may require an appraisal or detailed sales receipt to insure items.
• Policies cover replacement or repair only unless otherwise stated.

BriteCo summary

BriteCo is a specialty jewelry insurance provider known for its exceptional worldwide coverage at lower prices compared to other specialty jewelry insurance providers and homeowners’ riders or floaters. BriteCo jewelry insurance policies have zero deductibles, so you don’t have to worry about paying anything out-of-pocket to replace a lost or stolen piece.

BriteCo’s 125% replacement coverage also gives you extra protection in case your insured item increases in value over time — especially important with current gold prices. If you need to file a claim, BriteCo will work with the jeweler of your choice for a replacement or repair and assign a representative to help you through each step of the process.

Another advantage over homeowners or renters insurance coverage is that BriteCo does not report jewelry claims to data services that other providers often use to assess risk. This means making a jewelry claim will not raise your homeowners or renters premiums or risk cancellation of your policy. That is significant protection for homeowners who are facing double-digit increases in their homeowners insurance premiums.

It is worth getting a quote from BriteCo to compare with your other options.

CHUBB: Preferred for High-End Jewelry

Pros

• CHUBB is an established, high-end property and casualty insurance company that offers a multitude of insurance lines for classic cars, yachts, art, and jewelry.
• Customers only require appraisals for jewelry items exceeding $100,000 in value.
• The company is a preferred choice for high-wealth individuals with substantial and valuable collections.

Cons

• Customers must go through an agent to get a policy, making it difficult to shop individually.
• High-value items — (usually over $100,000 — require appraisals.
• Policies have some of the highest premium costs compared to other specialized insurance providers.

CHUBB summary

CHUBB insures luxury jewelry and collectibles, catering to high-net-worth clients who expect policies tailored to their specific needs. CHUBB policies offer worldwide coverage with no deductibles for most jewelry losses, as well as an agreed value option that pays 100% of insured value on covered total losses. However, premiums can be significantly higher than competitors.

Lavalier: Good for Less Expensive Jewelry

Pros

• Unscheduled items valued less than $1,000 do not require an appraisal.
• The choice of deductible can help offset annual insurance premium costs.
• Both annual and installment payment options are available.

Cons

• Scheduled jewelry insurance policies are limited to $50,000 per item.
• Policies exclude men’s and women’s watches, with a few exceptions.
• Other exclusions to coverage apply, so be sure you know exactly what your policy covers.

Lavalier summary

Lavalier is one of the few jewelry insurance providers to offer customers an option to purchase non-scheduled jewelry coverage with an agreed value of less than $1,000 without requiring an appraisal. This may be the best insurance choice for people with heirloom or vintage jewelry pieces that have more sentimental value than actual cash value. For other luxury jewelry items or vintage pieces in pristine condition, Lavalier offers scheduled jewelry insurance policies limited to $50,000 per item. Coverage exclusions apply, but Lavalier’s all-risk coverage includes major perils, such as loss, theft, damage, and mysterious disappearance.

The Financial Review has evaluated coverage from some of the top specialty insurance companies that focus on jewelry. The jewelry insurance providers here all cover loss, theft, damage, and mysterious disappearance. This is important since most standard homeowners policies typically do not cover mysterious disappearance — i.e., loss without a clear explanation.