Jewelry Insurance Options

Chubb Group
Chubb is one insurance company that offers policies through independent insurance agents and jewelry retailers. Here's a description of Chubb's engagement ring policy guidelines:

• It will be fully covered for the itemized amount shown on the policy.
• No deductible applies in the event of a claim.
• Broad coverage applies anywhere in the world. Your ring will be insured if it is lost or stolen wherever you go.
• You receive broader coverage than a standard homeowners policy offers. Many homeowners policies limit jewelry coverage to just $1,000 and will not cover lost or misplaced valuables.
• Unlike other insurance companies, Chubb does not require you to replace the ring and will offer you a prompt cash settlement for the itemized amount of coverage after a covered loss. However, if you decide to purchase a new ring, Chubb allows you to use the jeweler of your choice, instead of steering you towards an "approved list" of jewelers.

Jeweler's Mutual
Jeweler's Mutual offers personal jewelry insurance that covers both repair and replacement. The policy is not available for unset stones, damaged items, or antique jewelry. An appraisal is required for coverage. Jeweler's Mutual Insurance is available in our showroom.