Get a quote now! Then, apply for coverage.

Why Jewelry Insurance, Why GemShield®?

GemShield’s insurance is designed to protect against risks specific to jewelry. Most other insurance isn't. Jewelry-specific insurance is more extensive than a warranty and often broader than a homeowner’s or renter’s policy.

GemShield® Personal Jewelry Insurance offers:

  • “All risk” policy that covers loss, theft, damage and mysterious disappearance/unexplained loss – everything unless it is expressly excluded
  • Repair and replacement coverage
  • Worldwide coverage
  • Coverage for newly purchased jewelry
  • Premiums typically 1-2% of jewelry value

Some homeowner’s/renter’s policies use generic replacement vendors. We send you back to your jeweler...the jeweler you trust. A jewelry claim could impact your homeowner’s or renter’s coverage. By removing jewelry from a homeowner’s or renter’s policy, you protect your insurability and avoid a related increase in premium should a loss occur.

Insuring your jewelry with GemShield® is easy and fast:

  • Get a quote in under a minute using our online quote tool
  • Apply for coverage online in less than 10 minutes
  • Receive approval electronically, quickly and simply
  • Or, call one of our expert agents to learn more, quote or purchase coverage

Get a Quote

Jewelry insurance through GemShield is designed to protect all kinds of jewelry: engagement rings, wedding rings, and other diamond rings; necklaces, bracelets, earrings; and any type of gem, diamond or other jewelry including watches. Coverage provides protection for claims on lost rings, stolen necklaces and the like, as well as jewelry damage, such as cracked or scratched diamonds or lost jewels. Purchasing insurance through GemShield is quick and simple, requiring only basic information on you and your jewelry as well as an appraisal for each jewelry item you wish to insure (or detailed sales receipt for items below a certain value). You may apply for coverage through GemShield without an appraisal so long as you provide one within ten days of your application.

Through GemShield, quote online in under a minute; buy online or by phone in under ten minutes. Jewelry insurance through GemShield is as simple as it is strong.