At Jewelery Store Insurance, we understand the intrinsic value and sentimental importance of your precious jewelery and cherished personal articles. From engagement rings that symbolize love and commitment to heirloom necklaces passed down through generations, we recognize the significance these items hold in your life. That's why we offer specialized Personal Jewelery and Article Floater Insurance to provide comprehensive protection for your most valuable possessions.
Personal Jewelery and Article Floater Insurance is specifically tailored to provide extra coverage for valuable items that may not be adequately protected by your standard insurance policy. This includes a wide range of precious possessions, such as engagement rings, wedding bands, necklaces, earrings, watches, and other valuable gems.
While standard homeowners or renters insurance policies may cover personal belongings, they often come with limits for high-value items. Personal Jewelery and Article Floater Insurance ensures your valuable possessions are adequately protected.
Our insurance policies typically offer all-risk coverage, meaning your valuable items are protected against a wide range of risks, including theft, loss, damage, and even mysterious disappearance.
With many Personal Jewelery and Article Floater policies, there are no deductibles, ensuring you can quickly recover the full value of your items in the event of a claim.
You have the option to have your items appraised, so you know their exact value and can insure them accordingly.
Our insurance extends protection to your items no matter where you are in the world, allowing you to wear or use your valuables without worry.
At Jeweler Store Insurance, our commitment to your satisfaction is unwavering. Our experienced team is dedicated to providing you with prompt, professional, and attentive service every step of the way. Whether you have questions about our insurance products, need assistance with a claim, or require personalized guidance, we're here to help ensure your experience with us is positive and stress-free.
Protect what matters most with Jeweler Store Insurance's Personal Jewelery and Article Floater Insurance.
Jewelery insurance provides dedicated financial protection for rings, necklaces, watches, and other precious pieces against theft, accidental damage, and loss. For Canadians, it is especially important because standard home insurance sublimits often fall far short of the true replacement value of high-end Jewelery, leaving a significant coverage gap.
The cost of Jewelery insurance depends on several factors, including the type of items insured, their values, location, and the coverage required. Coverage is typically arranged for a schedule of insured items rather than a single item, helping to create a balanced risk profile. Contact us for a quote tailored to your collection and insurance needs.
Yes. Policies arranged through Jewelery Store Insurance provide worldwide coverage, helping protect your insured items whether you are at home or travelling abroad. Coverage is subject to policy terms and conditions and excludes Belarus, Russia, and Ukraine.
Absolutely. Newly purchased or gifted Jewelery can be added to your schedule as soon as you have a receipt, appraisal, or gemological certificate. We recommend insuring new pieces immediately to avoid any gap in coverage, a process that takes minutes through Jewelery Store Insurance.
Yes. The value of precious metals, gemstones, and other valuable items can change over time. It is important to review your appraisals periodically and update your policy when values change. This helps ensure your insured values remain accurate and reduces the risk of underinsurance in the event of a claim.
Maintain clear photographs, purchase receipts, gemological certificates (GIA, AGS), and appraisal reports for each insured item. Storing copies digitally in a secure cloud folder, and physically in a location separate from the Jewelery itself, ensures a faster and smoother claims process with Jewelery Store Insurance.
Many dedicated personal Jewelery insurance policies do cover stones lost from their settings due to accidental damage, depending on the specific policy wording. Standard home insurance riders commonly exclude this type of loss, while the standalone policies we offer at Jewelery Store Insurance are specifically designed to include it. Review your policy schedule carefully, and reach out to our team at (647) 480-1515 with any questions.
