jewelry insurance

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 The price of gold alone over the last six years has risen significantly, and your appraisals may be outdated.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.

Q. Why do I need additional jewelry insurance?

A. Without additional jewelry insurance on top of a standard homeowners policy, your treasured possessions could disappear in a burglary or fire — and you’d have to pay to replace everything out of your own pocket. In short, pay for everything twice. And that’s assuming that your valuable items can even be replaced. Martin Insurance Group can help you assess your needs and get coverage that pays for some or all of stolen or damaged property.

Q. Why should I buy jewelry insurance from you?

A. Martin Insurance Group works with thousands of New Jersey and Pennsylvania ...READ MORE residents. What’s more, we have been selling insurance since 1983, and are a stable company you can trust.

Here are some additional reasons customers trust us for their personal insurance needs:

We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. We can compare policies and pricing on coverage such as flood insurance and boat insurance from a variety of providers and help you choose the one that’s right for your unique needs.

We might even recommend one insurance provider for part of your coverage, and another for other coverage — whatever makes the most sense.

We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your insurance records are current. No more scrambling to meet dates or find documents — your Martin team will make sure you are on the ball and in compliance.

Q. I already have insurance for my jewelry. How do I know if it’s the right type or amount?

A. If you already have some form of insurance for your jewelry, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.

Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.

Email: • Toll-Free: 800.353.5000 • Telephone: 609.356.1500
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