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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:

 LavalierRenter's Policy [1]Homeowner's Policy [1]Jewelry Warranty

What is Covered?

Loss
TheftOften limitedOften limited
DamageNot all damageOften limitedLimited; regular inspections required
Earthquake/Flood
Gifts to others (e.g. fiancée)Same address onlySame address only
Worldwide coverage
 LavalierRenter's Policy [1]Homeowner's Policy [1]Jewelry Warranty

Other Features

Flexible coverageUp to $50,000[2]Capped as low as $1,000Capped as low as $1,000 - 5,000Capped at purchase price of jewelry
Flexible deductibleAs low as $0, as high as $25,000FixedSame as overall policy
Personalized claims settlementWork with your jewelerJeweler chosen by insurance companyJeweler chosen by insurance companyOnly the jeweler from whom you purchased
DiscountsMultiple, jewelry specificLimited or noneLimited or none
Limited impact of claimsNo impact to other policies you may have (home, renter's, auto)Jewelry-only claim may increase total premium or make jewelry uninsurableJewelry-only claim may increase total premium or make jewelry uninsurableN/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

Personalized jewelry insurance, available in minutes.

© 2018 2017 Lavalier Insurance Services, LLC | 757 Third Avenue | 10th floor | New York, NY 10017 | 855-477-6687

All policies are issued by Berkley and administered by Lavalier.