Jewelry & Watch Insurance - V3
Jewelry & Watch Insurance
At Jackson Jewelers, we understand how meaningful your jewelry and timepieces are. These pieces are meant to be worn, enjoyed, and passed down, and we want to help you protect them for a lifetime.
Quick Guide
- Jackson Jewelers is not responsible for loss, theft, damage, or disappearance of jewelry or watches after purchase.
- We strongly encourage personal jewelry insurance for any special purchase.
- Start with your own agent or current homeowners provider, they may be able to add your piece to an existing policy.
- Want a recommendation? Jewelers Mutual has specialized in jewelry insurance since 1913, jewelersmutual.com. You're also welcome to use any provider you choose.
- Homeowners and renters policies often don't provide adequate coverage for fine jewelry and watches, so it's worth asking what's actually covered.
- Need documentation for your policy? Many insurers accept a copy of your receipt, ask them first. If an appraisal is required, see our Appraisals page.
Does Jackson Jewelers insure my jewelry?
No. Jackson Jewelers is not responsible for loss, theft, damage, or the disappearance of jewelry or watches after purchase. We strongly encourage every client to consider personal jewelry insurance for any special purchase.
Why do I need jewelry insurance?
Life happens. Damage, theft, accidental loss, or even mysterious disappearance can occur at any time. The right coverage ensures your treasured pieces remain protected so they can be worn and enjoyed without worry.
Isn't my jewelry already covered by my homeowners or renters insurance?
Sometimes, but not always, and often not fully. Standard homeowners and renters policies frequently limit coverage on fine jewelry and watches, so it's worth asking your provider directly what's covered and up to what amount.
How do I insure my jewelry?
Start with your own insurance agent or current homeowners provider. In many cases they can add your piece to an existing policy, which is the simplest path. If they can't cover it adequately, or if you'd rather have a policy built specifically for jewelry, a dedicated jewelry insurer may be a better fit.
Who do you recommend for jewelry insurance?
If you're looking for a recommendation, Jewelers Mutual has specialized in jewelry insurance since 1913, and their policies are built specifically for fine jewelry and watches. You can request a free quote at www.jewelersmutual.com.
That said, you're just as welcome to use your own agent, your current homeowners provider, or any insurance provider of your choice.
What should I look for in a jewelry insurance policy?
A few things worth asking about when you compare options:
- Coverage for loss, theft, damage, and mysterious disappearance
- Whether coverage applies worldwide or only at home
- Whether you can choose your own jeweler for repairs or replacement
- Replacement with the same kind and quality of materials
- The deductible, and what your premium looks like
If I have a claim, can I bring my piece back to Jackson Jewelers?
In most cases, yes. Many policies let you choose the jeweler you trust for repairs or replacement, it's worth confirming that with your insurer when you set up coverage. If your policy allows it, you're always welcome to bring your piece to us and we'll handle the work.
Do I need an appraisal to insure my jewelry?
Not always. Many insurers will schedule a piece with just a copy of your receipt, so we recommend asking your insurer about that first, it's often faster and saves you the cost of an appraisal. If your insurer does require one, we provide insurance appraisals for jewelry purchased at Jackson Jewelers, see our Appraisals page for eligibility, pricing, and turnaround.
Final Note
Protecting your investment means your jewelry can be worn, loved, and enjoyed every day, without worry. We simply want the best for our clients and the pieces they treasure.
