Jewelry Insurance: Online Quotes with Insurance Brokers Group
Jewelry Insurance by Insurance Brokers Group
Protect your rings, necklaces, bracelets, and heirlooms with coverage that actually fits how people live. At Insurance Brokers Group, we help you insure jewelry separately from homeowners using our specialty partner, BriteCo, so a jewelry claim does not risk your home policy or your renewal. Get an instant quote online, bind the same day, and relax.
Get Your Jewelry Insurance Quote with Insurance Brokers Group
Why separate jewelry insurance from homeowners
Home policies are fantastic for your roof and walls, not so much for your ring. Most homeowners plans cap jewelry at low limits, apply deductibles, and may record claims in third-party databases that can influence future pricing. A standalone jewelry policy solves that. You keep your home policy clean, you get broader protection for jewelry, and you can file a claim without cringing at what might happen to next year’s home premium.
Why shop jewelry insurance with IBG
When you insure jewelry through Insurance Brokers Group, you get the power combo people actually want.
- Online quotes and same-day binding, quick and simple
- No deductibles on covered jewelry losses
- Worldwide coverage for theft, loss, damage, and mysterious disappearance
- Partnered specialty carrier with strong financial ratings
- Your jeweler, your choice, repairs and replacements handled the right way
- Friendly humans at IBG, real guidance when you need it
No appraisal yet, or Is yours outdated
We make that easy too. Through our exclusive BriteCo partnership, you can book a virtual appraisal with a GIA-certified gemologist.
We can meet on video, show your piece, upload your prior receipt, lab cert, or old appraisal, and then receive a new insurance valuation fast.
There is no mailing jewelry across the country, and there is no sticker shock.
Schedule a Virtual Appraisal Through IBG
What we cover
- Engagement rings
- Wedding bands
- Earrings
- Necklaces
- Bracelets
- Pendants
Note: loose gemstones are typically not eligible.
How to get covered in 3 quick steps
- Gather details or book a virtual appraisal if you need an updated value.
- Get your instant jewelry quote online with Insurance Brokers Group.
- Bind the policy and enjoy worry-free wear.
Get My Jewelry Insurance Quote; HERE
Real reviews from real customers
“Easy application, clear coverage, and the claim was handled quickly. I am sticking with IBG for everything.”
“I saved compared with adding my ring to my home policy, and I did not have to stress about my renewal.”
“Fast appraisal, smooth quote, no deductible when I actually needed it. Worth it.”
FAQs, fast and useful
Does homeowners insurance cover my jewelry fully?
Homeowners policies usually include low limits for jewelry unless you add a rider. Even with a rider, a claim can come with a deductible and may be recorded in industry databases that can affect future pricing.
A standalone jewelry policy removes that concern, gives broader protections for common loss scenarios, and keeps your home policy clean. For most people, that combination is a smarter long-term move, particularly if you own higher-value pieces or live where home premiums are sensitive to claim history.
How much does jewelry insurance cost?
A helpful rule of thumb is often about 1 to 2 percent of the appraised value per year. If your ring is valued at $5,000, many buyers see quotes in the $50 to $100 per year range.
Your exact price depends on value, where you live, your loss history, and how the piece is worn or stored. The nice thing with IBG, you can see pricing instantly online, and if your last appraisal is old, we can connect you to a quick virtual appraisal so you are rating the correct replacement value.
Do I really need an appraisal to get a quote?
You can get indicative pricing without one, however an appraisal or equivalent proof is needed to finalize accurate coverage amounts and avoid underinsuring your piece.
Through IBG’s BriteCo partnership, virtual appraisals are fast and affordable. You meet with a GIA-certified gemologist on video, upload your supporting document, and receive a proper insurance valuation promptly. That way, your premium matches a realistic replacement cost, not a guess.
Will a jewelry claim affect my homeowners policy?
With separate jewelry insurance, the jewelry claim is handled on the jewelry policy, not on your home policy. That separation is exactly why many homeowners prefer this route. It lets you protect valuables without introducing a small claim that could complicate renewal terms or future home pricing.
Translation: your ring mishap does not need to become your home policy problem.
Can I choose my own jeweler for repairs or replacement?
Yes, that is a major advantage with the specialty program we use. You can work with a preferred jeweler to make repairs or replace like-kind and quality. The process is designed to be quick, transparent, and headache-free, exactly what you want when something sentimental needs attention.
Ready to wear your jewelry with confidence
Insurance Brokers Group makes it easy to protect what matters most, with online quotes, clear coverage, and real people to help.
Get Your Jewelry Insurance Quote with Insurance Brokers Group