Jewelry Insurance

Learn about Jewelry Insurance

Fine jewelry represents a significant financial and emotional investment, and standard homeowner's or renter's insurance policies often fall short when it comes to coverage for loss, theft, accidental damage, or mysterious disappearance. At Hingham Jewelers, we work with our customers to help them understand their insurance options and connect them with reputable jewelry insurance providers who specialize in the coverage that fine jewelry actually requires. A dedicated jewelry insurance policy typically covers scenarios that general policies exclude, including loss of a stone from a setting, accidental breakage, and theft outside the home. To obtain proper coverage, insurers generally require a current, professionally written appraisal from a qualified jeweler, which our team can provide. We recommend reviewing your jewelry coverage annually and updating your appraisals every three to five years to reflect current replacement values. If you have recently acquired a significant piece, received an inheritance, or simply never thought about insuring your collection, we are happy to walk you through what proper coverage looks like and help you take the first step toward protecting what matters.