Your jewelry is unique. So is our coverage. Trust Lavalier to protect the things that matter most to you.
Lavalier's 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 appropriate coverage to adequately protect jewelry.
Our coverage can be personalized. Because your jewelry is yours. We think your insurance for it should be too.
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 tailored to you. And designed to be as painless as possible. Because that's what we would want.
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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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.
With Lavalier's "all risk" coverage, your jewelry is protected from almost every imaginable risk, anywhere in the world.
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.
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.
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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Straightforward answers to most common questions.
More questions? Learn more about Coverage, Applying/Billing, or Claims