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Jewelry Insurance
Jewelry Insurance

Your jewelry is more than an accessory, it’s a personal expression that connects to something meaningful in your life. Whether it’s your engagement ring or your grandfather’s watch, you can help protect your cherished items with a jewelry and valuable items insurance policy.


What Does Jewelry Insurance Cover?

Jewelry and valuable items insurance can cover your favorite items from jewelry to collectibles, sporting equipment, electronics and more – including engagement rings and wedding rings – if they are stolen or damaged in a covered event. A typical homeowners insurance policy without a Personal Articles Floater (PAF) may not cover, or provide enough coverage for those valuable items. That’s where jewelry and valuable items coverage can help.

How Much Does Jewelry Insurance Cost?

Jewelry insurance costs vary, depending on where you live. In general, jewelry insurance may cost between 1% to 2% of the value of your jewelry or valuable item. For example, a $5,000 engagement ring could cost as little as $50 per year to insure – with a $250 deductible.


Is Jewelry Insurance Worth It?

Only you can decide whether your cherished jewelry or valuable items are worth protecting with insurance. Ask yourself the following questions to explore whether jewelry and valuable items insurance is right for you:

  • Can you imagine losing your jewelry?
  • If your jewelry was lost, stolen or damaged, would you want it replaced or repaired?
  • If the answer is yes, how much would you be able or willing to pay out of pocket?

Get a jewelry or valuable items insurance quote today and see how affordable jewelry insurance can be.


Options for Insuring Jewelry and Valuable Articles with MVR Agency

1.Personal Articles Floater (PAF)

This itemized coverage can help give you some peace of mind knowing your belongings and jewelry may be covered should they get lost. Offered as protection for valuables, a PAF policy can be purchased separately. There is no deductible for most classes or types of property and the coverage insures against many risks, including loss and theft.


Consider a PAF policy for:

  • Engagement rings
  • Wedding rings
  • Jewelry
  • Watches
  • Silverware, china and crystal
  • Antiques
  • Wedding gifts

2. Adding Jewelry Coverage to Homeowners Insurance


Available as an add-on coverage to homeowners insurance, a Valuable Items Plus endorsement can offer expanded protection and higher limits on certain types of valuables. Unlike the PAF, where items are individually listed, the Valuable Items Plus endorsement provides blanket coverage that affords protection for a class of property collectively, such as jewelry, up to a certain amount. This jewelry insurance coverage insures against many risks, such as lost or stolen jewelry.


Give MVR Insurance Agency a call today (914) 683-3500 to learn how we can add insurance for your cherished possessions.



Get a Jewelry Insurance Quote!