I have a homeowner’s / renter’s policy, isn’t my jewelry covered?

Jewelry coverage under a homeowner’s or renter’s policy is typically very limited and very restrictive. For example, coverage is often as low as $1,000 – $5,000. And usually the same deductible applies to your overall renter’s or homeowner’s coverage as to the jewelry portion meaning that in a case of loss or damage, your actual protection may be well below the cost to replace or repair your jewelry. Furthermore, many homeowner’s and renter’s insurers require you to work with their network of jewelers, which may not be the same quality as your jeweler. Coverage through Lavalier is comprehensive and personalized.

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