Whether it’s a diamond-encrusted bracelet or a signature cable necklace, David Yurman jewelry is a cherished possession that many people invest in to mark special occasions or keep as heirloom pieces to pass down to future generations. 

Unfortunately, small items like delicate David Yurman fine jewelry are vulnerable to loss, damage, or theft. With David Yurman jewelry insurance, you can rest easy knowing your high-value pieces are protected.

David Yurman Luxury Women and Men’s Jewelry

David Yurman is a renowned American jewelry designer who has created some of the industry’s most iconic and sought-after pieces. He began his career in the New York and California underground art world in the 1960s as a sculptor and painter. But his interest in jewelry design grew when he met his wife, Sybil, who was also an artist. 

In 1979, the couple founded David Yurman Jewelry, which quickly gained a reputation for its unique style and high-quality craftsmanship. Yurman’s designs are inspired by nature, art, and architecture, and he often incorporates unusual materials, such as meteorites and ancient coins, into his creations.

David Yurman offers a wide range of luxury women’s and men’s jewelry that combines artistry with technical innovation. From statement rings to bold bracelets and necklaces, each piece is crafted with meticulous attention to detail and showcases David Yurman’s unique design aesthetic.

Women’s Jewelry

David Yurman’s women’s jewelry collection is renowned for its iconic cable designs. The signature twisted cable motif is featured in many of their pieces, including bracelets, necklaces, and earrings. The brand also offers an extensive range of gemstone jewelry, with designs that range from classic to modern. Some popular gemstones in their collections include diamonds, pearls, and colorful stones like turquoise, amethyst, and citrine.

Most Popular Colored Gemstone Engagement Rings

Men’s Jewelry

David Yurman’s men’s jewelry collection is equally impressive, featuring a variety of pieces that are both functional and fashionable. The men’s collection includes everything from classic signet rings and cufflinks to bold chain necklaces and bracelets. Many of the pieces feature David Yurman’s signature cable motif, while others incorporate unique design elements like intricate etchings and inlays.

Whether you’re shopping for women’s or men’s jewelry, David Yurman’s collection is an excellent choice for those who value quality, craftsmanship, and timeless style. However, as with any luxury item, it’s vital to protect your investment by ensuring that your David Yurman jewelry is adequately insured.
Read Also: Do Men Wear Engagement Rings? | BriteCo Jewelry Insurance

Why You Should Insure Your David Yurman Jewelry

Insuring your David Yurman jewelry is essential for several reasons. David Yurman jewelry is a valuable investment, often costing thousands of dollars. In the event of loss or damage, you may not have the financial means to replace or repair the item without insurance coverage. 

David Yurman jewelry is also unique and difficult to replace, particularly if it’s a limited edition or one-of-a-kind piece. Having David Yurman insurance coverage can provide peace of mind knowing you can replace the item if lost or damaged. 

While it’s easy to assume you’ll never lose or damage your David Yurman jewelry, accidents can happen, and theft is always possible. Proper insurance coverage can protect you from financial loss in the event of theft or loss due to an unexpected event.

Homeowners’ Insurance vs. Standalone Jewelry Insurance

Homeowners’ insurance companies typically cover personal property, including jewelry, up to a specific limit. However, the coverage for jewelry on a standard homeowners’ insurance policy may be limited and may not provide adequate protection for valuable items, such as David Yurman jewelry pieces. 

Personal Property Coverage on a Standard Policy

Personal property coverage on a standard policy typically covers a range of items, such as furniture, electronics, and clothing, but the coverage limits for jewelry may be as low as $1,500. If your collection exceeds this limit, you may need to consider additional coverage options.

Blanket Coverage

Blanket coverage is an option that provides a higher overall coverage limit for personal property, including jewelry. This coverage does not require a specific itemized list of jewelry pieces but instead provides a lump sum amount of coverage for all personal property. 

For example, if you have a blanket coverage limit of $50,000 and your jewelry collection is valued at $10,000, you would have $40,000 in coverage for other personal property items. Blanket coverage can be cost-effective for homeowners with various valuable personal property items.

Scheduled Personal Property Coverage 

Scheduled personal property coverage is another option for homeowners’ insurance, specifically covering valuable items, such as jewelry, art, or antiques. This coverage allows you to itemize and insure individual pieces of jewelry and provides a higher level of coverage for each item. 

Insurers may require appraisals or other documentation to determine the value of the jewelry and establish the coverage amount. Scheduled personal property coverage provides more comprehensive protection for high-value jewelry items but can be more expensive than blanket coverage.

Standalone Jewelry Insurance

Standalone jewelry insurance is a specialized insurance policy specifically designed to cover valuable jewelry items. This type of policy is separate from a standard homeowners’ or renter’s insurance policy and is tailored specifically to the needs of jewelry owners. 

Standalone jewelry insurance policies cover loss, theft, or damage to jewelry items and typically offer higher coverage limits than standard insurance policies. They also usually cover mysterious disappearance (when you do not know when, where, or how your jewelry was lost), which most standard insurance policies do not cover. 

Premiums for standalone jewelry insurance policies are typically based on the value of the jewelry items being insured. They can be adjusted to reflect changes in the value of the jewelry over time. Standalone jewelry insurance policies are the best option for individuals with high-value jewelry collections who want comprehensive protection for their valuable items.

How Standalone Jewelry Insurance From BriteCo™ Works

Insuring your David Yurman jewelry with BriteCo protects your investment beyond your homeowners’ or renter’s insurance policy. This ensures that your investment is fully protected, and you won’t be left with unexpected out-of-pocket expenses due to loss, theft, or damage.

To insure your David Yurman jewelry, you need to complete the following steps:

Collection Information About Your Jewelry

Before applying for BriteCo jewelry insurance, you must have information about the jewelry you want to insure, including its type, estimated value, and any appraisals or certifications. 

If you recently purchased a piece of David Yurman jewelry, you can use the Proof of Purchase document to value the piece in lieu of an appraisal. 

1. Request a Quote

Getting a quote is easy with BriteCo. Simply visit our web page with our convenient online tool and input the information you collected about your jewelry and zip code, and we’ll provide an estimate within minutes. 

2. Review Coverage Options

Once you receive a quote, review your coverage options and policy details to ensure they meet your needs. 

BriteCo policies cover your jewelry for loss, theft, damage, and mysterious disappearance. And because wear and tear happen naturally over time, we also provide complimentary maintenance services such as stone resetting and prong re-tipping.

BriteCo offers admitted insurance policies and adheres to strict state-by-state insurance standards and requirements. BriteCo covers up to $250,000 for each piece of jewelry and up to $750,000 per customer with no deductible. We will automatically adjust your coverage level yearly to reflect market changes that impact your jewelry’s value.

3. Complete the Application

If you decide to proceed with the insurance policy, complete the application process. You provide personal information, details about the jewelry you want to insure, and any supporting documentation, such as appraisals or certifications.

4. Pay the Premium

Once your application is approved, you will need to pay the premium for the coverage. The cost of the premium will depend on the value of your jewelry and the coverage limits you have selected.

At BriteCo, our premiums typically cost 1% to 2% of the total value of your jewelry per year. For example, if you have a pair of David Yurman Triple Starburst Diamond Earrings that cost $15,500 and your premium costs 1% of the RRP, you’ll only pay $155 annually (or $12.91 per month) for comprehensive protection. 

You can save on your insurance plan if you store your jewelry in a safe or have a central burglar alarm in your home. 

5. File a Claim

If you lose your David Yurman jewelry or it is stolen or damaged, BriteCo makes it easy to file a claim. Our web portal allows you to file claims online. Just submit supporting documentation, like photos or police reports, and we’ll pay up to 125% of the piece’s appraised value.

BriteCo only offers replacement policies, so our coverage limit exceeds the piece’s value in case it costs more to replace the item. We do not have a preferred network of jewelers, so we’ll never send your pieces to be repaired or replaced anywhere else besides the original jeweler.

Protect Your David Yurman Jewelry With BriteCo™

If you’ve invested in David Yurman jewelry, you need coverage you can trust to protect your pieces. Choose BriteCo fine jewelry insurance for comprehensive, worldwide coverage underwritten by an insurance carrier with an AM Best A+ rating. 

Contact us today to learn more about our policies and what coverage we offer, and find out how easy it is to get full protection for your David Yurman pieces in as little as a few minutes.

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