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Real reviews from our happy customers


BriteCo BriteCo Product
BriteCo Jewelry Insurance
Jeff S
Best pricing

Best Pricing, simple streamlined and efficient process. I highly recommend BriteCo to anyone who is in the market to insure jewelry

Donna T
Easy process

It was so easy to get my jewelry insured with BriteCo. I had put it off for years but the jeweler made getting the appraisal and setting up the insurance very simple to do.

Robert W.
Highly recommend

Excellent submittal process provided online, easy to attach required documents and fast approval. Would highly recommend using BriteCo provider for your luxury timepieces.

Becky S.
Easy to insure

It was so easy to insure my jewelry with Briteco! I was worried about the difficulty of doing everything online but the system worked flawlessly and I saved several hundred dollars plus got even better coverage. Perfect!

Mark A.
Awesome company and customer service

Awesome Company, Customer Service and Great Rates. Website is totally user friendly. Truly hope I never have to file a claim, but if I do, I trust BriteCo will provide the same service as they have demonstrated so far……Many Thanks

Katie E.
Easy online process

The day I received my engagement ring, I also applied for insurance with BriteCo on it. So easy to do online, took about 5 minutes and they got back to me within 24 hours with my policy! Quick and easy!!

Jonathan P.
The peace of mind by itself is worth the money.

My fiancé lost the center stone in her engagement ring and BriteCo made getting it replaced a breeze. The peace of mind by itself is worth the money. Just this incident alone more than covered the cost of the insurance.

Lena B.
Thank you BriteCo for insuring my ring and making sure it is back on my finger in time for my wedding!

After only having my engagement ring for a few months it was unfortunately damaged in a car wreck. Thank you BriteCo for insuring my ring and making sure it is back on my finger in time for my wedding!

Jacqueline K.
Fast and inexpensive

Perfect! I can’t believe how fast and inexpensive BriteCo’s insurance is. I may be insuring a few more pieces. Thank You Again

Ronald D.
Great customer service and quick responses

Great customer service, quick responses. BriteCo has a simple application process and ultimately a great experience.

Maria A.
Awesome company and customer service

Wanted to protect my beautiful ring. Quick and easy quote and policy! Love it! Would recommend BriteCo to everyone.

What does BriteCo jewelry insurance cover?

Insuring jewelry with BriteCo gives you fast, affordable, 5-star rated coverage
Worldwide Coverage
Worldwide Coverage

The best jewelry insurance means that your jewelry is protected anywhere in the world, 365 days a year, 7 days a week. You don’t ever have to worry about coverage when traveling.

Zero Deductibles
Zero Deductibles

We’ve designed our jewelry insurance policies to be competitively priced with no deductibles. You shouldn’t have to pay out of pocket when making a claim.

125% Replacement Value
125% Replacement Value

No one should get stuck having to pay extra when replacing a precious ring or necklace. Unlike other jewelry insurance companies, BriteCo has you covered for all your jewelry items even if the appraised value of your piece has increased up to 125% since getting your policy.


Things get lost. An earring falls out unnoticed. You put your ring in your jacket pocket and can’t find it. Accidental loss happens. With BriteCo, you’re covered.


Losing your diamond ring or other precious jewelry to theft can be traumatizing. We make it a bit easier knowing you’re covered for full replacement.


Life happens. Accidentally bang your ring against a counter and chip or lose a stone? Snag your ring, and bend a prong? Rest assured, you’re covered.

Mysterious Disappearance
Mysterious Disappearance

Even if there’s no logical explanation how, where, or when your precious diamond ring or necklace disappeared, BriteCo has you covered.

Limited Impact on Homeowners Policy
Limited Impact on Homeowners Policy

Rest a bit easier knowing any jewelry insurance claim you make with BriteCo won’t affect your homeowners or renters policy coverage or cost.

How much does Jewelry Insurance cost?

See how affordable a separate jewelry insurance policy with BriteCo can be:

BriteCo offers premiums as low as:

  • $4.51/mo

    for $6,500 Earrings in New York, NY

  • $6.06/mo

    for $5,500 Engagement Ring in Phoenix, AZ

  • $4.68/mo

    for $8,250 Engagement Ring in Chicago, IL

  • $10.60/mo

    for $11,750 Watch in San Francisco, CA

  • $5.23/mo

    for $8,600 Pendant Necklace in Austin, TX

  • $4.17/mo

    for $1,100 Wedding Band in Miami, FL

Engagement Ring Insured by BriteCo
Engagement Ring Insured by BriteCo
Coverage costs are subject to underwriting review and approval according to actual policy terms and conditions. Rates may vary based on a number of factors, including value and primary location.


Get a jewelry insurance quote in less than 30 seconds.

Trusted by Thousands of Jewelers

Across the USA
Wedding Day Diamonds
Engagement ring insured by BriteCo

Why Insure Your Jewelry?
3 Helpful Facts:

  • Homeowners or renters policies don’t cut it.

    Most homeowners insurance and renters insurance doesn’t provide comprehensive coverage for your fine jewelry and watches. If they do, it’s for a very limited amount. The best insurance for jewelry offers better coverage.
  • Replacement and repair will cost you too much.

    Replacing lost, stolen, or damaged jewelry out of your own pocket is extremely costly and stressful, especially for an engagement ring.
  • Not insuring your jewelry will cost you even more!

    A high-end jewelry insurance policy for your high-value items only costs about 0.5-1.5% of the total value. So there’s no reason not to get online jewelry insurance with Briteco!

Protect Your Valuables In Less Than 2 Minutes

3 easy steps in 2 easy minutes!

  • oneAnswer a few simple questions
  • twoChoose how you want to pay
  • threeInstant peace of mind

BriteCo Gives You These Big Advantages

Prompt claims replacements
Prompt claims replacements

through your trusted,
local jeweler

No extra charge
No extra charge

to easily add co-insured person to your jewelry insurance.

Annual insurance
Annual insurance

coverage updates, no need to get re-appraisals

Backed by an AM Best

A+ rated insurance carrier

Accidents Happen

Lost Engagement Rings Protected By BriteCo Insurance

Bonus Advantages from BriteCo

  • Easily add co-insured person at no extra charge
  • Annual value updates keeps your insurance coverage current
  • Policies underwritten by an AM Best A+ rated insurance carrier
  • Prompt claims process for replacement through your trusted local jeweler at full value
Jewelry Insurance

Frequently Asked Questions

Do you need a jewelry appraisal for insurance?


A jewelry appraisal is a document that describes the characteristics of a piece of jewelry with an approximate value assigned to it. Jewelry appraisals are generally required (or highly preferred) for insurance on jewelry. You can usually request an appraisal from your jeweler or the store where you purchased the item. BriteCo offers a convenient online jewelry appraisal option that can be used to apply for insurance coverage.

What are coverage limits for a BriteCo jewelry policy?


With our personal jewelry insurance, BriteCo has a maximum coverage limit for a single piece of jewelry of $150,000, and a maximum total of $500,000 for a schedule of items. BriteCo policies include worldwide coverage for loss, theft, damage and disappearance as well as preventive maintenance. You can get a jewelry insurance quote from BriteCo in 30 seconds.

How do I file a claim?


BriteCo provides replacement jewelry insurance coverage. Your jewelry appraisal is used by the insurance provider to determine a retail replacement value, reflecting how much it would cost to replace the piece of jewelry as brand new. Unlike some jewelry insurers, BriteCo works with the jeweler of your choice to replace the exact same item you lost or had stolen. Claims are filed online and expedited personally by our customer service representatives.

What’s different about BriteCo’s insurance for rings?


Recognized as a top provider of insurance for jewelry, BriteCo offers one of the best ring insurance policies with comprehensive all-risk coverage. When looking for the best jewelry insurance policy, consider that not only do we cover loss, theft, damage and mysterious disappearance, we also provide free preventive maintenance such as prong retipping; broken, worn, or bent prongs; and stone tightening.

BriteCo logo


805 Greenwood Street
Evanston, IL 60201

BriteCo Inc. is a licensed insurance agency in all fifty states and the District of Columbia.