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:

 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

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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.

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