Jewelry and Valuable Items Insurance

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

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    Please note: Coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.

    What does jewelry insurance cover?

    Jewelry and valuable items insurance can help cover jewelry – including engagement rings and wedding rings, collectibles, sporting equipment, electronics and more – if it is 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 insurance can help.

    How much does jewelry insurance cost? 

    Jewelry and valuable items insurance costs vary according to the value of items covered and 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.

    How to insure jewelry and valuable items 

    Step 1. Make a list of the valuable items you want to protect.

    Step 2. Obtain the value of each item. You may need to consider having some items appraised.

    Step 3. Call MHG for a quote on personal articles floater (PAF) insurance policy.