For jewels, gems, heirlooms, and more.

For many of us, jewelry can represent significant milestones in our lives: your first gold posts when your ears were pierced; the pearls or diamond pendant you received after graduating from college; the solitaire engagement ring he surprised you with when you got engaged; the Tiffany blue box with the diamond bracelet you found tucked under the pillow when your first child was born; the Rolex watch your dad gave to your husband; the pearls your mom surprised you with on your birthday; the Cartier studs you purchased for yourself in Paris. Each piece is a priceless memory or perhaps even a family heirloom — but at the same time, a significant investment. Each needs the protection that only specialized jewelry insurance offers.

Even a high-value homeowners insurance policy may not be enough.

Under your homeowners insurance, even a high-value homeowners policy, jewelry is only insured up to a specific amount per single item or type — often not enough to cover the gems you may possess. With a jewelry floater or stand-alone policy, you can increase your coverage amounts and can cover theft and loss of pieces in a catastrophe. In addition, depending on the type of policy you select, you can obtain coverage for losses that occur on international travel, unexplained disappearances of items, and even lost stones.

What’s more, if part of a set is lost, stolen or destroyed, the value of the other part(s) of the set can be diminished. A jewelry policy can provide coverage for that loss in value or for the fashioning of a replacement to restore the value of the entire set. The policy may allow you to get a replacement of the full set if needed.

We can discuss the available options with you. Our staff at Martin will work with you to see what you need. For example, if you haven’t had appraisals done in a long time for your jewelry, we recommend you do so. The price of gold alone over the last six years has risen significantly, and your appraisals may be outdated.

Call now to speak with a representative about insurance for your jewelry. We’ve already helped many clients in New Jersey and Pennsylvania, including Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA, and have the experience and expertise to protect you, your family, and your possessions. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.