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Are you considering Engagement Ring Insurance?

Here is what you need to know about protecting your most valuable jewelry.

Engagement ring insurance is a method of mitigating risk in the event of loss, theft, damage, or mysterious disappearance. A ring insurance policy will also cover preventative maintenance. Replacement policies will allow you to work with the jeweler of your choice to ensure that your emotional loss is as minimal as possible.

How much should Engagement Ring Insurance cost?

Protection of your Engagement Ring should cost between .5%- 1.5% of the appraised value of the item. There are several factors that will determine the exact amount, such as where you live and the cost of the ring. This means you should expect to pay between 50 cents and $1.5 for every $100 of the value.

It’s one of your biggest purchases. Be sure to protect it.

At the time you purchase an engagement ring (even before you propose) you should get your ring insured right away. Your best engagement ring insurance policy comes from a company founded by a 3rd generation jeweler.

Don’t rely on a standard homeowners policy

Most homeowners’ policies limit their coverage of personal items to $1,000 to $2,000. That’s not enough to replace most fine jewelry engagement rings.

What happens if you need to make a claim?

Make sure you can work with your local jeweler in the event of a claim. Some insurance companies require you to get a lost or stolen ring replaced from their selected vendors. You want to be able to replace your ring from your local jeweler.


BriteCo Makes Engagement Ring Insurance Fast, Easy and Affordable

You can get engagement ring insurance coverage from BriteCo in just a few minutes, on your smartphone, or any device with all these advantages.

Instant online custom price quote in 60 seconds
Instant Insurance Quote

You can quickly get a custom quote for the cost of engagement ring insurance in 60 seconds online. See immediately how affordable BriteCo jewelry insurance can be.

No Out of Pocket Costs

BriteCo engagement ring policies feature zero deductibles, so you don’t have to worry about paying out of pocket should you ever need to make a claim for replacement.

Convenient monthly payment option
Convenient Monthly Pay

Unlike most jewelry insurance providers, BriteCo gives you the option to pay for your engagement ring insurance policy monthly, with a discount for annual pay.

briteco insurance safe and secure
Coverage Up to 125%

Most jewelry insurance companies cover 100% of the appraised value for an engagement ring replacement. BriteCo provides coverage up to 125% of your ring’s appraised value!

How Much Could BriteCo™ Save You?

Check your engagement ring insurance price today to find out

Insurance You Can Trust

Real reviews from our happy customers

BriteCo BriteCo Product
BriteCo Engagement Ring Insurance
Jeff S

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

Donna T

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.

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.

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, 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.

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!!

Joey D.

BriteCo has very good customer service and were quick to get back to me when I was signing up for a policy!

Debra P.

BriteCo made it easy and affordable to get coverage on jewelry items. Almost instantaneously. Very good customer service.

Jacqueline K.

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

Maria A.

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

All the Comprehensive Jewelry Insurance Coverage You Need


Things get lost. An earring falls out unnoticed. You put your ring in your jacket pocket and can’t find it. It 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

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

Quickly Go from Insurance Quote to Policyholder

BriteCo™ makes it fast and easy to see an instant no-obligation online quote and get insurance coverage for your purchase in a few minutes on your smartphone.

Here’s How it Works:


Check Your Price

Just click on the “Check Your Price” orange button on our website. You’ll instantly see our quote screen to enter your engagement ring appraised value and basic info.


Apply for Discounts

Within 60 seconds or less you get a customized quote with a price for 5-star rated insurance coverage. Add additional information and answer a few questions to see what discounts you qualify for. You can also add your fiancé as an additional insured at no extra charge.


Get Engagement Ring Insurance

Review your final quote and pay by credit or debit card. And we offer a convenient monthly payment option. Congrats, your engagement ring is insured in under two minutes!

Jeff G.

“Quick and easy. I got my fiance’s $8,250 engagement ring insured for less than $5 a month!”

Jeff G.

Essential Maintenance and Repairs Included!

Premier engagement ring insurance means your valuable items have coverage for the basics as well


Maintenance and jewelry repairs including:

  • Broken, worn, or bent prongs for rings
  • Replace broken or chipped stones
  • Stone tightening

Zero Deductible

BriteCo™’s standard policies have no deductibles, so you don’t have to worry about spending any additional money to get your jewelry replaced.

Plus, we insure up to 125% of appraised value, ensuring your local jeweler can get your piece replaced without you having to pay any extra. Go you!
Solitaire diamond engagement ring in black ring box.

Do I Need Engagement Ring Insurance?

Yes! You do! In fact, did you know that a BriteCo™ jewelry insurance policy can protect your homeowners or renters insurance from jewelry claims?

It’s true! Jewelry claims through your home or renter insurance can result in rate hikes, or even insurance cancellation. And the ultimate risk to protecting your engagment ring? A standard homeowners or renters insurance policy caps payouts as low as $1,000- $2,000 per item!

Plus, a personal articles rider doesn’t even guarantee jewelry replacement.

Don’t leave your engagement ring unprotected – survey reveals people lose or break their jewelry 69% of the time!

BriteCo statistics on lost jewelry

Considering the average amount spent on engagement rings is $5,900
and up, a quick mental calculation can tell you that, well, $2k from your home or rental insurance just isn’t going to cut it.

Don’t take a risk relying on your home or renters insurance!
BriteCo™ gives you the peace of mind you want with the best jewelry insurance you’ll be glad to have if the worst-case scenario were to occur.

Frequently Asked Questions

Is it worth it to insure an engagement ring?


Yes. Especially if you are unable to replace it if it is lost, stolen, or damaged. The cost of engagement ring insurance should be between 50 cents to a $1.50 for every $100 in ring value, making it an affordable investment to receive protection in most cases. Check how affordable it is for your ring.

Will insurance cover a lost ring?


Quality insurance should cover a lost ring and the most common form of a lost ring - "mysterious disappearance". In general, specialized jewelry insurance is your best bet for quality coverage of your ring. Buyer beware of home policies that will have low coverage limits or a high deductible.

How do you insure an engagement ring without homeowners insurance?


You can insure your engagement ring with a separate policy through an independent specialized jewelry insurance company. Specialized jewelry insurance should offer better coverage with no deductible compared to most homeowners or renters insurance. To learn about insuring your jewelry with a specialized policy vs as an add-on for homeowners, here is a full evaluation.

How much is insurance for an engagement ring?


Full coverage of your engagement ring will cost betwee 0.5%-1.5% per year of the appraised value with BriteCo. There are a variety of factors such as where you live or prior claims that can affect your individual cost. Learn more about ring insurance cost.

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805 Greenwood Street
Evanston, IL 60201

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