Why Jewelry Insurance? Why Lavalier?

Your jewelry is unique. So is our coverage. Trust Lavalier to protect the things that matter most to you.

Here are some of the ways that coverage through Lavalier compares to alternatives:

  Lavalier Renter's Policy [1] Homeowner's Policy [1] Jewelry Warranty

What is Covered?

Loss
Theft Often limited Often limited
Damage Not all damage Often limited Limited; regular inspections required
Earthquake/Flood
Gifts to others (e.g. fiancée) Same address only Same address only
Worldwide coverage
  Lavalier Renter's Policy [1] Homeowner's Policy [1] Jewelry Warranty

Other Features

Flexible coverage Up to $50,000[2] Capped as low as $1,000 Capped as low as $1,000 - 5,000 Capped at purchase price of jewelry
Flexible deductible As low as $0, as high as $25,000 Fixed Same as overall policy
Personalized claims settlement Work with your jeweler Jeweler chosen by insurance company Jeweler chosen by insurance company Only the jeweler from whom you purchased
Discounts Multiple, jewelry specific Limited or none Limited or none
Limited impact of claims No impact to other policies you may have (home, renter's, auto) Jewelry-only claim may increase total premium or make jewelry uninsurable Jewelry-only claim may increase total premium or make jewelry uninsurable N/A

[1] Typical coverage without additional premium; coverage and terms vary widely across insurers when "scheduling" jewelry on a homeowner's or renter's policy

[2] Higher coverage limits may be available; please contact us to learn more

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About Our Jewelry Insurance Coverage

The best way to protect jewelry is jewelry insurance. Our coverage is designed to provide extensive protection for your jewelry. And extraordinary flexibility should anything ever happen to it.

Comprehensive, Worldwide Coverage

With Lavalier's "all risk" coverage, your jewelry is protected from almost every imaginable risk, anywhere in the world.

Automatic Coverage for New Jewelry

Any new jewelry you purchase while insured through Lavalier receives limited coverage for up to 30 days. And it can be easily added to your policy for full coverage.

Personalized Claims Settlement

If your jewelry is lost, stolen, or damaged, work with the jeweler of your choice to repair or replace it. Or, if you prefer, use our network of jewelers for a completely personalized experience.

Repair or Replacement of Like Kind & Quality

Repair or replace your jewelry to the same state it was before being damaged, lost, or stolen. Repair or replace brand name jewelry with the same brand name, not a cheaper substitute.

For more details and a full description of all applicable terms and conditions, please review our policy form here or contact us.

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Frequently Asked Questions

Straightforward answers to most common questions.

More questions? Learn more about Coverage, Applying/Billing, or Claims

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