JIBNA (Jewelry Insurance Brokerage of North America) provides personal jewelry insurance in all 50 U.S. States. No payments will be authorized until your application is approved. In a typical homeowners policy, for instance, jewelry is covered up to $1,000 per item and $5,000 per incident (theft, fire). Some other important factors to consider: Jewellery stores are a popular target for criminals. Insurance companies will often require you to provide a certificate of valuation for insurance purposes or other documents (Like a diamond certificate) before they cover your items. “We believe you should have the freedom to wear your jewelry for any occasion, without worry… whether it’s traveling the world, training at the gym, a romantic night out or just hanging at home. Actual Cash Valueis defined by insurers as “actual cash value minus depreciation [wear and tear] and obsolescence [being out-of-date].” The premi… Jewelry insurance. Zillion makes it quick and easy to replace or repair your jewelry at $0 cost to you. Get a jewelry insurance quote today. Better Rates. Fast Quotes, Great Rates, Discounts, and many Insurance Companies to choose from. If you only have buildings insurance and don’t have contents cover, then you might want to consider taking out a contents policy. Insurance for an engagement ring Gift to yourself or a loved one a timeless design from the world’s most celebrated jewelry destination. Easy online claims and lightning fast response times from Zillions’ claims team means your jewelry repair or replacement gets underway in as little as 24 hours after you submit a claim! The value is generally determined by an appraisal of the value of the item, excluding any taxes. You may check this on the Financial Services Register by visiting the FCA website. So, if your jewelry is worth more than that, a rider or jewelry insurance is worth looking into. Choose GemSafe for fast and affordable coverage to meet your needs. Content and associated insurance products are provided by Sure HIIS Insurance Services, LLC (“Sure”), a licensed seller of insurance. Insuring Your Jewelry With Your Home Insurance Policy. You lost, damaged, or had your jewelry stolen. In fact, homeowner’s insurance provides limited coverage for jewelry and similar items — just a few thousand dollars, typically — and that’s after you’ve covered your deductible. But what type of insurance you need depends on how valuable your jewelry is and how thoroughly you want it covered. Your ring goes missing. Our coverage is designed to provide extensive protection for your jewelry. Jewelry insurance is a type of insurance that you can take out to protect your precious and expensive jewelry pieces against theft, damage and in the instances when you lose them. Zillion’s specialty jewelry insurance coverage is worldwide, so you can feel free to travel and wear your jewelry with confidence. *A deductible can be applied to discount your premium. Registered Office: Highworth Insurance Ltd, 8th Floor Ibex House, 42-47 Minories, London, EC3N 1DY. Most people buy Actual Cash Value policies. Insurance Professionals - Excellent Auto, Home and Commercial Insurance. The easiest way to get the most coverage for your jewelry is to add a floater policy to your homeowners or renters insurance. Jewelry insurance is affordable at Progressive. If you don’t have homeowners insurance, there’s no need to run out and purchase a policy simply to insure your jewelry. 1. Zillion is proud to insure all types of jewelry, including engagement rings, with diamonds graded by GIA, IGI, AGS, GSI, SGL, as well as several other labs. Cancel anytime – receive a full refund in the first 30 days (pro-rated thereafter). Jewelry stores using BriteCo can do expert jewelry appraisals in-store, fast, and offer customers a seamless point of sale jewelry insurance experience. © 2020 by Zillion Insurance Services, Inc. Only those items are covered, and only at the value indicated. Savings shown are based on Zillion’s rate comparable to other personal jewelry insurance policies nationwide. Not only will it cover your jewellery but it’ll also protect other valuables like TVs, laptops, bicycles and mobile phones. The above does not in any way constitute an endorsement or referral by Jewelry Unlimited of Sure’s products or services. Or you damaged your engagement ring by snagging a prong on your clothes. Having to file a jewelry insurance claim means that a treasured item in your life has become damaged or gone missing. Pay by credit card. Jan 15; 2 min; 3 Ways Zillion Jewelry Insurance Can Make Your Life Easier. Do I need Jewelry Insurance? Savings names, percentages, availability and eligibility may vary, and are not available in all states including, California, Georgia, Ohio, Oklahoma, Pennsylvania, South Carolina, Virginia and Washington. The Jewelers Mutual Insurance Company protects individuals as well as businesses from jewelry damage, theft or loss. That’s why every policy we provide comes with a $0 deductible on all claims. The company has been in operation for more than 100 years. And extraordinary flexibility should anything ever happen to it. Priceless Protection for Your Jewelry. For example, if your limit is $5,000, but you have a $15,000 diamond ring, you’d be … It is a small privately-held corporation and is “A” rated in financial stability by A.M. Best. There are two types of jewelry replacement insurance, referred to as Actual Cash Value and Agreed Value insurance. With Zillion jewelry insurance, you can wear your jewelry with confidence knowing it’s covered.” – The Zillion Team, jewelry is covered when you travel worldwide, no increase in rates due to a single claim, jewelry is covered when it's accidentally damaged, jewelry is covered from natural disasters, cancel anytime, full refund in 1st 30 days, war/military/government action, nuclear hazard, normal wear & tear, deterioration, intentional acts. Shopping for Jewelry Insurance: What to Know Before Purchasing a Policy Feb 6; 2 min; 8 Awesome Valentine's Day Gift Ideas. Since jewelry tends to be quite expensive, people often do not bother with jewelry insurance … These savings are passed onto our customers in the form of better rates. Whether you are looking to insure a single item, or your entire jewelry collection, with Zillion, you will receive the same great low rate on all of your favorite jewelry. Scheduled jewelry insurance normally costs around $1 to $2 per $100 worth of jewelry per year. A floater policy gives you more coverage and can even protect against accidents (like dropping your ring down the sink). Making a claim when your jewellery has been lost, damaged or stolen can be an emotional time, especially if the item was an heirloom, engagement ring or bespoke piece. Enrollment, terms and conditions apply. The Stolen Jewelry Website of the Jewelers' Security Alliance provides a central clearinghouse for the jewelry industry, law enforcement, insurance personnel and the public to share information on jewelry that has been stolen or recovered in the United States. Nov 26, 2019; About GemShield® Jewelry Insurance. Sending a damaged item in for repair? The best way to protect jewelry is jewelry insurance. If you'd be devastated by the loss of any of your jewelry, jewelry insurance might be a smart investment. Jewellery Insurance - What can we cover. Protect your jewelry with personal jewelry insurance from the only company dedicated solely to insuring jewelry since 1913. Jeweller’s Insurance: Protect your valuable enterprise. Save Up to 15%, Starting at ~ $2/mo. Gocompare.com Limited is registered in England and Wales (Company No. At Zillion, we specialize in jewelry insurance, and better manage risk and control costs through the use of our technology. Jewelers Mutual Insurance Group also offers jewelry business insurance for retailers, manufacturers, wholesalers and designers. Jan 1; 3 min; 3 Real-Life Jewelry Insurance Claims We’ve Seen at Zillion. Highworth Insurance Limited is a registered company in England and Wales number 7980064. GemSafe insurance policies are brought to you by SterlingRisk Insurance. Here’s why: Homeowners policies typically only cover valuable items such as jewelry and watches up to a specific amount. You’ll benefit from our modern delivery, exceptional coverage and low costs, all while having full control and flexibility with your policy. Simply visit myzillion.com/claims to submit a claim and let Zillion handle the rest! We’ve got that covered, too! The purchase of authentic platinum, gold, silver, or gem jewelry involves a lot of careful consideration, and is a major investment in one’s life. Toggle navigation. We provide insurance for all types of jewellery including diamond engagement rings and quality Swiss watches. Jewelry insurance cost. Your jewelry may be priceless to you, but an insurer can put a price on it to help you repair or replace it if something happens. Instead, many major insurance companies, like Geico, State Farm, and Nationwide, offer jewelry-specific policies. Be certain that you’re covered. Protecting your jewelry probably costs much less than you’d think. Simply, complete our online quote form and get a jewellery insurance quote today. But that coverage is not usually enough to cover the full replacement cost, and even a jewelry-specific rider added to your homeowners policy has its limits. It’s a common assumption that your jewelry is insured if you have a homeowners or renters insurance … *Some customers could see a savings of up to 15% for certain jewelry purchases. Here's what you need to know to pick a policy. Enjoy complimentary shipping and returns. Jewelry insurance is now offered under exclusive packages and at premiums that are worth it. Jewelry Insurance Brokerage of North America is a better way to do jewelry insurance. Farmers Insurance has a similar approach. Don’t worry, your jewelry is Covered & will be replaced or repaired with a $0 deductible. We are equally happy insuring single items or groups of items, the choice is yours. Zillion is a proud member of Jewelers of America, The Jewelers Board of Trade, and Jewelers Security Alliance. Zillion customers benefit from free prepaid shipping protection on all jewelry repairs. Replace and Repair your damaged or lost jewelry through your partner. Jewelry is typically covered under renters and homeowners insurance policies. Why? For most people, the annual cost of a policy is just 1-2% of the replacement value of the item their looking to insure. Click or Call 610-353-1600. If you're looking for an exact price, just get a quote or contact your insurance company. In general, it costs more to insure one extremely valuable piece than to insure several less expensive ones. For example, an insurance policy on a $7,000 diamond engagement ring could cost as little as $70 per year! Zillion’s specialty jewelry insurance coverage is worldwide, so you can feel free to travel and wear your jewelry with confidence. Using a separate jewelry insurance provider for claims also means your renters or homeowners policy will remain unaffected. Our customer service representatives will review your application within one business day and, upon approval, will activate your coverage immediately. (billed annually)* At Zillion, we specialize in jewelry insurance, and better manage … Whether you’re at home or on the go when catastrophe strikes, we’ve made it easy for our customers to file their jewelry insurance claims online, from anywhere in the world. Jewelry insurance premiums vary depending on use, storage, type of home and security system. Jewelry Insurance is provided and written by a member insurer of the Jewelers Mutual Insurance Group, Neenah, Wisconsin and is secured through GEICO Insurance Agency, Inc. Coverage and pricing are subject to underwriting review and approval, and to policy terms and conditions. Your jewelry insurance will cover specified items named in the schedule made a part of the policy. Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. If you’re one of them, you should know that these policies do not obligate the insurer to pay you the appraised value of your jewelry if it’s lost to theft or fire, but only what it would cost them to replace the item. This means to insure $20,000 worth of jewelry could cost you $200 to $400 per year. Our standalone jewelry insurance program gets you the coverage you need. We help you overcome the limitations and exclusions found in homeowners insurance. It only costs 1% to 2% of the total value of your jewelry. So, a $5,000 engagement ring will cost about $50-$100/year to insure. 5799376). Jewelry Insurance Policies Without Homeowners Insurance. Increasingly often, these criminals use – occasionally excessive … Learn even more about engagement ring insurance. Upload a photo of your jewelry and a receipt or appraisal. The answer may be Yes or No. JIBNA does not provide business insurance to jewelers but is focused solely on personal jewelry insurance coverage. Our most affordable premiums with some of the best rates in the industry. It is authorised and regulated by the Financial Conduct Authority number 578639. Zero impact claims means that filing a single insurance claim will never result in an increased rate. Perhaps you left it at the hotel while you were rushing to catch your flight or it was stolen from your apartment. A standard homeowner’s insurance policy may not provide adequate coverage for your treasured possessions. In terms of dollar amounts, per the Insurance Information Institute, basic renters or homeowners insurance generally limits coverage of theft to around $1,500 and reimbursement for individual pieces to about $2,000. We never want to see our customers deal with added financial stress during an already difficult time. 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