Adding your fine jewelry to your homeowner's insurance policy is a low-cost way to cover yourself in the event of loss, damage, theft, etc. Coverage costs will vary dependent on your item value and geography, but for most people, insuring your jewelry will cost 1-2% of its value (e.g. a $5,000 ring will cost you an additional $50-$100 annually).
Or, Jeweler’s Mutual offers affordable insurance coverage.
Apr 3, 2025