Benefits of Lavalier Jewelry Insurance
The best way to protect your jewelry is
with insurance made just for jewelry.
Did you know 1 in 6 people
lose their wedding ring?
You may not be able to imagine losing your wedding ring, but you’d be surprised at the variety of ways in which rings escape from their owners.
Benefits of Jewelry Insurance
Specific to Jewelry
Lavalier’s jewelry insurance is designed to protect against risks specific to jewelry. Most other insurance isn’t. Homeowner’s insurance, renter’s insurance, even jewelry warranties typically do not provide adequate coverage to protect your jewelry.
Affordable, Comprehensive Coverage
With Lavalier’s “all risk” coverage, your jewelry is protected from almost every imaginable risk, anywhere in the world, and at a reasonable price. Cost of the policy is generally 1-2% of the item’s value and discounts are available.
Easy Claims Settlement
We’re here for you should you ever have to deal with the unfortunate events insurance is designed for — loss, theft, or damage of your jewelry. Like our coverage, our claims settlement is designed with you in mind … easy, personal, respectful. Because that’s what we would want for a member of our family.
When you have a jewelry loss, you work with your jeweler of choice to repair or replace it. Or, if you prefer, use our network of jewelers.
What’s Covered?
- Loss
- Theft
- Damage
- Earthquake/Flood
- Gifts to others
(e.g. fiancée) - Worldwide Coverage
- Loss
- Theft – Often Limited
- Damage – Not all damage
- Earthquake/Flood
- Gifts to others (e.g. fiancée)
same address only - Worldwide Coverage
- Loss
- Theft – Often Limited
- Damage – Not all damage
- Earthquake/Flood
- Gifts to others (e.g. fiancée)
same address only - Worldwide Coverage
- Loss
- Theft
- Damage – limited; regular
inspections required - Earthquake/Flood
- Gifts to others (e.g. fiancée)
same address only - Worldwide Coverage
[1] Typical coverage without additional premium; coverage and terms vary widely across insurers when “scheduling” jewelry on a homeowner’s or renter’s policy
Other Features
- Flexible coverage
- Flexible deductible
- Personalized claims settlement
- Discounts
- Limited impact of claims
- Up to $50,0002
- As low as $0, as high as $25,000
- Work with your Jeweler
- Multiple, jewelry specific
- No impact to other policies you may have (home, renters, auto)
- Flexible coverage
- Flexible deductible
- Personalized claims settlement
- Discounts
- Limited impact of claims
- Capped as low as $1,000
- Fixed
- Jeweler chosen by insurance company
- Limited or none
- Jewelry-only claim may increase total premium or make jewelry uninsurable
- Flexible coverage
- Flexible deductible
- Personalized claims settlement
- Discounts
- Limited impact of claims
- Capped as low as $1000 – $5,000
- Same as overall policy
- Jeweler chosen by insurance company
- Limited or none
- Jewelry-only claim may increase total premium or make jewelry uninsurable
- Flexible coverage
- Flexible deductible
- Personalized claims settlement
- Discounts
- Limited impact of claims
- Capped at purchase price of jewelry
- N/A
- Only the jeweler from whom you purchased
- N/A
- 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
