JEWELRY INSURANCE · GEORGIA

Georgia jewelry insurance, scheduled properly and priced fairly.

A homeowners policy caps jewelry theft at $1,500 to $2,500 out of the box. For an engagement ring, an inherited piece, or a watch collection, that number is a rounding error. Scheduled personal property or a standalone jewelry policy is how valuable pieces actually get covered.

Free Coverage Review

WHAT'S COVERED

How Georgia jewelry coverage works

Schedule on Homeowners

Add each piece to your homeowners policy with appraisal. Coverage is all-risk, deductible is often zero, includes mysterious disappearance.

Standalone Jewelry Policy

Dedicated policy through Jewelers Mutual or Chubb Masterpiece. Often broader coverage and better rates for larger schedules.

Collection-Level Coverage

Blanket coverage on a collection (watches, estate pieces) without scheduling each piece. Efficient for larger holdings.

Worldwide Coverage

Covers loss anywhere in the world: travel, vacation, business trips. Standard homeowners often limits or excludes off-premises losses.

Schedule on Homeowners

Add each piece to your homeowners policy with appraisal. Coverage is all-risk, deductible is often zero, includes mysterious disappearance.

Standalone Jewelry Policy

Dedicated policy through Jewelers Mutual or Chubb Masterpiece. Often broader coverage and better rates for larger schedules.

Collection-Level Coverage

Blanket coverage on a collection (watches, estate pieces) without scheduling each piece. Efficient for larger holdings.

Worldwide Coverage

Covers loss anywhere in the world: travel, vacation, business trips. Standard homeowners often limits or excludes off-premises losses.

IMPORTANT LIMITATIONS

What jewelry insurance does not cover

Intentional damage

Deliberate damage to insured pieces is excluded. Standard exclusion.

Wear and manufacturing defects

Gradual wear of prongs, settings, and clasps is maintenance, not a covered loss. Most jewelry policies will not pay for routine prong retipping or resetting.

Unappraised value increases

Gold and diamonds both move in value. Pieces scheduled five years ago may be meaningfully underinsured today. We recommend reappraisal every 3 to 5 years, particularly for high-value stones.

Items outside the schedule

Only listed items are covered under a scheduled policy. If you add a new piece and do not schedule it, the default homeowners sub-limit is what applies.

IMPORTANT LIMITATIONS

What jewelry insurance does not cover

Intentional damage

Deliberate damage to insured pieces is excluded. Standard exclusion.

Wear and manufacturing defects

Gradual wear of prongs, settings, and clasps is maintenance, not a covered loss. Most jewelry policies will not pay for routine prong retipping or resetting.

Unappraised value increases

Gold and diamonds both move in value. Pieces scheduled five years ago may be meaningfully underinsured today. We recommend reappraisal every 3 to 5 years, particularly for high-value stones.

Items outside the schedule

Only listed items are covered under a scheduled policy. If you add a new piece and do not schedule it, the default homeowners sub-limit is what applies.

Georgia jewelry insurance, scheduled properly and priced fairly.

How Georgia jewelry coverage works

Schedule on Homeowners

Standalone Jewelry Policy

Collection-Level Coverage

Worldwide Coverage

Schedule on Homeowners

Standalone Jewelry Policy

Collection-Level Coverage

Worldwide Coverage

What jewelry insurance does not cover

Intentional damage

Wear and manufacturing defects

Unappraised value increases

Items outside the schedule

What jewelry insurance does not cover

Intentional damage

Wear and manufacturing defects

Unappraised value increases

Items outside the schedule

Carriers We Use for This Coverage

Chubb

AIG

Jewelers Mutual

Common questions

What does a free coverage review actually involve?

Is Olive Cover going to try to sell me something?

My renewal went up. Should I shop around?

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

Send us the appraisals. We will schedule the pieces and compare markets.

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