Valuables Insurance: Jewelry

Your jewelry is more than just something you wear. These priceless pieces evoke memories of a special time in your life.

Why Should I Insure My Jewelry?

Whether you own one piece of fine jewelry, a number of vintage watches, or a whole collection of valuable items, insurance for your jewelry can provide you with peace of mind, knowing that you’ll be able to repair or replace it after a covered event. With Chubb jewelry insurance, you’re automatically covered for new purchases and for jewelry on loan or consignment, and you’ll have access to qualified experts who can share tips on how to protect your jewelry from burglary or refer you to the jewelry specialists you need.

Chubb Masterpiece® Valuable Articles Coverage Highlights

Individualized Coverage

We offer flexible, worldwide coverage options to meet your unique needs and cover most jewelry losses with no deductible.

Automatic Coverage for New Items

If you already have jewelry itemized on your policy, any newly acquired pieces will be covered for up to 90 days (25 percent of itemized coverage).

Liberal Appraisal Requirements

We only require appraisals for individual jewelry pieces valued at $100,000 or more. Otherwise, we just need a detailed description and estimated value.

Paying Market Value

If the market value of an item before a loss exceeds the amount of coverage, we'll pay up to 150 percent of the amount, itemized on your policy to account for increases in market value.

Agreed Value Feature

We’ll work with you upfront to determine the value of your jewelry. Then, for covered total losses, we’ll reimburse you 100 percent of the agreed value as a cash settlement.

Blanket or Scheduled Items

Protect your entire jewelry collection with blanket coverage, itemize your individual pieces, or do both. It’s up to you.

In-House Jewelry Services

Chubb’s jewelry practice includes in-house GIA Accredited Jewelry Professionals in underwriting, loss prevention, and claims. They are available to provide referrals to jewelry professionals as well as services such as:

Collection valuation review – To determine whether your jewelry values are in line with the market or need to be appraised based on recent auction results and sales trends.
Collection risk assessment – Including review of your alarm and security controls, jewelry-safe specifications, fire protection, and guidance around safely transporting items.
Collection management – Including guidance for maintaining, managing, and enjoying your jewelry collection with private, mobile access and up-to-date inventory details.

Have Questions?

Have questions about protecting your collection? If you’re a Chubb client, you can call for a referral to a qualified professional. Call 1-877-60CHUBB, option 2.

As a Chubb client, you can call for a free referral to a qualified jewelry professional. We have relationships with local jewelers, safe companies, appraisers, and auction houses, and can connect you with best-in-class vendors.

Disclaimer: This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.