Instead, many major insurance companies, like Geico, State Farm, and Nationwide, offer jewelry-specific policies. Or you damaged your engagement ring by snagging a prong on your clothes. Fast Quotes, Great Rates, Discounts, and many Insurance Companies to choose from. Why? Our coverage is designed to provide extensive protection for your jewelry. Insurance Professionals - Excellent Auto, Home and Commercial Insurance. But that coverage is not usually enough to cover the full replacement cost, and even a jewelry-specific rider added to your homeowners policy has its limits. The company has been in operation for more than 100 years. The value is generally determined by an appraisal of the value of the item, excluding any taxes. Not only will it cover your jewellery but it’ll also protect other valuables like TVs, laptops, bicycles and mobile phones. At Zillion, we specialize in jewelry insurance, and better manage risk and control costs through the use of our technology. Do I need Jewelry Insurance? But what type of insurance you need depends on how valuable your jewelry is and how thoroughly you want it covered. Simply visit myzillion.com/claims to submit a claim and let Zillion handle the rest! About GemShield® Jewelry Insurance. Insurance companies will often require you to provide a certificate of valuation for insurance purposes or other documents (Like a diamond certificate) before they cover your items. Insurance for an engagement ring If you’re like me, you’re already paying for fire, car, health, life, liability, and just about every other kind of insurance under the sun. Enjoy complimentary shipping and returns. Protecting your jewelry probably costs much less than you’d think. For most people, the annual cost of a policy is just 1-2% of the replacement value of the item their looking to insure. We are equally happy insuring single items or groups of items, the choice is yours. Whether you’re at home or on the go when catastrophe strikes, we’ve made it easy for our customers to file their jewelry insurance claims online, from anywhere in the world. Jewellery Insurance - What can we cover. Easy online claims and lightning fast response times from Zillions’ claims team means your jewelry repair or replacement gets underway in as little as 24 hours after you submit a claim! Using a separate jewelry insurance provider for claims also means your renters or homeowners policy will remain unaffected. Jewelry Insurance is provided and written by a member insurer of the Jewelers Mutual Insurance Group, Neenah, Wisconsin and is secured through GEICO Insurance Agency, Inc. Coverage and pricing are subject to underwriting review and approval, and to policy terms and conditions. Zillion’s specialty jewelry insurance coverage is worldwide, so you can feel free to travel and wear your jewelry with confidence. The easiest way to get the most coverage for your jewelry is to add a floater policy to your homeowners or renters insurance. Savings shown are based on Zillion’s rate comparable to other personal jewelry insurance policies nationwide. You may check this on the Financial Services Register by visiting the FCA website. We never want to see our customers deal with added financial stress during an already difficult time. A standard homeowner’s insurance policy may not provide adequate coverage for your treasured possessions. Actual Cash Valueis defined by insurers as “actual cash value minus depreciation [wear and tear] and obsolescence [being out-of-date].” The premi… Nov 26, 2019; Your ring goes missing. Here's what you need to know to pick a policy. Don’t worry, your jewelry is Covered & will be replaced or repaired with a $0 deductible. Jewelry insurance is now offered under exclusive packages and at premiums that are worth it. This means to insure $20,000 worth of jewelry could cost you $200 to $400 per year. So, if your jewelry is worth more than that, a rider or jewelry insurance is worth looking into. If you'd be devastated by the loss of any of your jewelry, jewelry insurance might be a smart investment. Since jewelry tends to be quite expensive, people often do not bother with jewelry insurance … Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. Perhaps you left it at the hotel while you were rushing to catch your flight or it was stolen from your apartment. The purchase of authentic platinum, gold, silver, or gem jewelry involves a lot of careful consideration, and is a major investment in one’s life. Your jewelry insurance will cover specified items named in the schedule made a part of the policy. We’ve got that covered, too! If you're looking for an exact price, just get a quote or contact your insurance company. The above does not in any way constitute an endorsement or referral by Jewelry Unlimited of Sure’s products or services. Jan 1; 3 min; 3 Real-Life Jewelry Insurance Claims We’ve Seen at Zillion. Save Up to 15%, Starting at ~ $2/mo. JIBNA does not provide business insurance to jewelers but is focused solely on personal jewelry insurance coverage. *Some customers could see a savings of up to 15% for certain jewelry purchases. Jewelry insurance is affordable at Progressive. Highworth Insurance Limited is a registered company in England and Wales number 7980064. Jewelers Mutual Insurance Group also offers jewelry business insurance for retailers, manufacturers, wholesalers and designers. These savings are passed onto our customers in the form of better rates. The answer may be Yes or No. Zillion customers benefit from free prepaid shipping protection on all jewelry repairs. So, a $5,000 engagement ring will cost about $50-$100/year to insure. Most people buy Actual Cash Value policies. Cancel anytime – receive a full refund in the first 30 days (pro-rated thereafter). For example, an insurance policy on a $7,000 diamond engagement ring could cost as little as $70 per year! Only those items are covered, and only at the value indicated. Here’s why: Homeowners policies typically only cover valuable items such as jewelry and watches up to a specific amount. Zillion is a proud member of Jewelers of America, The Jewelers Board of Trade, and Jewelers Security Alliance. A floater policy gives you more coverage and can even protect against accidents (like dropping your ring down the sink). You lost, damaged, or had your jewelry stolen. Choose GemSafe for fast and affordable coverage to meet your needs. *A deductible can be applied to discount your premium. Jewelry Insurance Policies Without Homeowners Insurance. Jeweller’s Insurance: Protect your valuable enterprise. Gocompare.com Limited is registered in England and Wales (Company No. 1. If you’re one of them, you should know that these policies do not obligate the insurer to pay you the appraised value of your jewelry if it’s lost to theft or fire, but only what it would cost them to replace the item. We help you overcome the limitations and exclusions found in homeowners insurance. If you only have buildings insurance and don’t have contents cover, then you might want to consider taking out a contents policy. Learn even more about engagement ring insurance. Your jewelry may be priceless to you, but an insurer can put a price on it to help you repair or replace it if something happens. Content and associated insurance products are provided by Sure HIIS Insurance Services, LLC (“Sure”), a licensed seller of insurance. JIBNA (Jewelry Insurance Brokerage of North America) provides personal jewelry insurance in all 50 U.S. States. Zillion’s specialty jewelry insurance coverage is worldwide, so you can feel free to travel and wear your jewelry with confidence. Jewelry Insurance Brokerage of North America is a better way to do jewelry insurance. Zillion makes it quick and easy to replace or repair your jewelry at $0 cost to you. With Zillion jewelry insurance, you can wear your jewelry with confidence knowing it’s covered.” – The Zillion Team, jewelry is covered when you travel worldwide, no increase in rates due to a single claim, jewelry is covered when it's accidentally damaged, jewelry is covered from natural disasters, cancel anytime, full refund in 1st 30 days, war/military/government action, nuclear hazard, normal wear & tear, deterioration, intentional acts. Pay by credit card. It’s a common assumption that your jewelry is insured if you have a homeowners or renters insurance … The Stolen Jewelry Website of the Jewelers' Security Alliance provides a central clearinghouse for the jewelry industry, law enforcement, insurance personnel and the public to share information on jewelry that has been stolen or recovered in the United States. In terms of dollar amounts, per the Insurance Information Institute, basic renters or homeowners insurance generally limits coverage of theft to around $1,500 and reimbursement for individual pieces to about $2,000. Sending a damaged item in for repair? Gift to yourself or a loved one a timeless design from the world’s most celebrated jewelry destination. And extraordinary flexibility should anything ever happen to it. In general, it costs more to insure one extremely valuable piece than to insure several less expensive ones. Upload a photo of your jewelry and a receipt or appraisal. Jewelry insurance. Having to file a jewelry insurance claim means that a treasured item in your life has become damaged or gone missing. Jewelry insurance cost. For example, if your limit is $5,000, but you have a $15,000 diamond ring, you’d be … Insuring Your Jewelry With Your Home Insurance Policy. © 2020 by Zillion Insurance Services, Inc. The Jewelers Mutual Insurance Company protects individuals as well as businesses from jewelry damage, theft or loss. GemSafe insurance policies are brought to you by SterlingRisk Insurance. It is authorised and regulated by the Financial Conduct Authority number 578639. Priceless Protection for Your Jewelry. Our customer service representatives will review your application within one business day and, upon approval, will activate your coverage immediately. If you don’t have homeowners insurance, there’s no need to run out and purchase a policy simply to insure your jewelry. “We believe you should have the freedom to wear your jewelry for any occasion, without worry… whether it’s traveling the world, training at the gym, a romantic night out or just hanging at home. It only costs 1% to 2% of the total value of your jewelry. Jewelry is typically covered under renters and homeowners insurance policies. 5799376). Toggle navigation. Savings names, percentages, availability and eligibility may vary, and are not available in all states including, California, Georgia, Ohio, Oklahoma, Pennsylvania, South Carolina, Virginia and Washington. Simply, complete our online quote form and get a jewellery insurance quote today. You’ll benefit from our modern delivery, exceptional coverage and low costs, all while having full control and flexibility with your policy. In fact, homeowner’s insurance provides limited coverage for jewelry and similar items — just a few thousand dollars, typically — and that’s after you’ve covered your deductible. The best way to protect jewelry is jewelry insurance. Enrollment, terms and conditions apply. (billed annually)* At Zillion, we specialize in jewelry insurance, and better manage … Whether you are looking to insure a single item, or your entire jewelry collection, with Zillion, you will receive the same great low rate on all of your favorite jewelry. Making a claim when your jewellery has been lost, damaged or stolen can be an emotional time, especially if the item was an heirloom, engagement ring or bespoke piece. Be certain that you’re covered. Farmers Insurance has a similar approach. No payments will be authorized until your application is approved. Jewellery stores are a popular target for criminals. Replace and Repair your damaged or lost jewelry through your partner. Zero impact claims means that filing a single insurance claim will never result in an increased rate. Jewelry insurance is a type of insurance that you can take out to protect your precious and expensive jewelry pieces against theft, damage and in the instances when you lose them. Better Rates. That’s why every policy we provide comes with a $0 deductible on all claims. Some other important factors to consider: There are two types of jewelry replacement insurance, referred to as Actual Cash Value and Agreed Value insurance. Increasingly often, these criminals use – occasionally excessive … Jewelry insurance premiums vary depending on use, storage, type of home and security system. In a typical homeowners policy, for instance, jewelry is covered up to $1,000 per item and $5,000 per incident (theft, fire). It is a small privately-held corporation and is “A” rated in financial stability by A.M. Best. Registered Office: Highworth Insurance Ltd, 8th Floor Ibex House, 42-47 Minories, London, EC3N 1DY. Get a jewelry insurance quote today. Click or Call 610-353-1600. Jewelry stores using BriteCo can do expert jewelry appraisals in-store, fast, and offer customers a seamless point of sale jewelry insurance experience. We provide insurance for all types of jewellery including diamond engagement rings and quality Swiss watches. Protect your jewelry with personal jewelry insurance from the only company dedicated solely to insuring jewelry since 1913. Shopping for Jewelry Insurance: What to Know Before Purchasing a Policy Feb 6; 2 min; 8 Awesome Valentine's Day Gift Ideas. Our standalone jewelry insurance program gets you the coverage you need. Zillion is proud to insure all types of jewelry, including engagement rings, with diamonds graded by GIA, IGI, AGS, GSI, SGL, as well as several other labs. Our most affordable premiums with some of the best rates in the industry. 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