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JEWELRY INSURANCE · GEORGIA

Jewelry and valuables insurance in Georgia.

A standard homeowners or renters policy typically limits jewelry coverage to $1,500 for theft. An engagement ring, watch, or family heirloom worth $5,000 or more needs to be scheduled separately. Scheduled articles coverage insures the item specifically, at its agreed value, with no depreciation.

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WHAT'S COVERED

What jewelry insurance covers

Agreed Value Coverage

Covers the item for its full agreed or appraised value regardless of whether it was stolen, lost, or accidentally damaged.

Mysterious Disappearance

Covers mysterious disappearance meaning you can file a claim even if you cannot explain how the item was lost.

Worldwide Coverage

Coverage applies at home, at work, traveling, and anywhere in the world.

IMPORTANT LIMITATIONS

What jewelry insurance does not cover

Intentional loss or gifting

Intentional loss or giving the item away is excluded.

Wear and gradual deterioration

Damage caused by wearing out, scratching, or normal use over time is not covered.

Manufacturing defects

Damage caused by a manufacturing defect is excluded.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

No items found.

Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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GET STARTED

Have an engagement ring, watch, or valuables worth scheduling?

Most engagement rings, watches, and valuables are underinsured or not scheduled at all. Send us the appraisal and we will compare carriers and get you proper scheduled coverage.

$50 to $250 per year for most Georgia jewelry items

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