Jewelry Insurance 101: Protecting Your Biggest Moments

Jewelry Insurance 101: Protecting Your Biggest Moments

Do you remember the first time you purchased or were gifted real Diamond Jewelry? We do. It would come as no surprise if you had a story behind each piece in your collection. Given its monetary and sentimental value, Jewelry is inherently a part of life's biggest moments.

Unfortunately, most people overlook the importance of protecting these precious belongings. 


What is Jewelry Insurance?

In contrast to regular homeowner's insurance, which provides a limited coverage of jewelry, Jewelry insurance provides a broad coverage of your entire collection in the event that a piece(s) is lost, stolen, or damaged.


How Does Jewelry Insurance Work?

It is important to choose the Jewelry insurance policy that works best for you. Policies will generally provide coverage for all items submitted through; replacement, repair, or cost reimbursement. Some Jewelry policies, such as Jewelers Mutual, will work directly with the Jeweler of your choosing to re-create the exact piece that was lost or stolen.


How Much Does Jewelry Insurance Cost?

Although rates may vary based on where you live, for most people jewelry insurance costs 1-2% of the value of their jewelry. For example, a $10,000 engagement ring costs about $100 per year to insure.


Does Aryeh & Co. Insure Jewelry? 

While we do provide full appraisal services for your jewelry, we do not offer insurance coverage.

Our team is committed to being at your side throughout your jewelry buying experience and beyond. For that reason, one of our staff members is always ready to answer any questions you may have while trying to secure the right policy for your jewelry.


What You Should Be Asking


What's Our Point?

Protect life's most precious moments!


Have any further questions? Feel free to contact our customer service team at

Subscribe to our email list for access to secret sales, practical ring-buying tips, and $100 off your first purchase.

Back to blog