Why Jewelry Insurance? Why Lavalier?
Your jewelry is unique. So is our coverage. Most other insurance isn’t. You took the time to pick out just the right piece of jewelry, and we think your insurance should be personalized, too. And if you should ever have to deal with any of the unfortunate events insurance is designed for – loss, theft, or damage of your jewelry – we’re here for you.
About Lavalier Personal Jewelry Insurance
Lavalier's insurance protects against risks specific to jewelry … like loss, theft and damage. With Lavalier, you receive:
- 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 you are 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, you work with your preferred jeweler to repair or replace it.
Homeowner's insurance, renter's insurance, even jewelry warranties typically do not provide broad coverage to adequately protect your jewelry. 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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