BriteCo makes it fast and easy to get the best engagement ring insurance in minutes.

As a third generation family jeweler who spent more than a decade in the retail jewelry trade, BriteCo’s founder was as frustrated as his customers with the time-consuming – and too often confusing nature of – a typical appraisal, insurance, and claims process.

At BriteCo™ we believe that you have better things to do than spend hours of your valuable time researching market values for precious metals, diamonds, gemstones, and other facets of the jewelry you sell just to wind up a rough appraisal for your client in the end. Likewise, your customer has better things to do with their time than wait for an appraisal, chase down an insurance agent, get a quote, and add a jewelry piece to their homeowners or renters policy – all to get proper coverage for a piece of fine jewelry or watch they just purchased. And that doesn’t begin to describe how much hassle making a claim through a traditional insurer can be!

With these struggles in mind, we provide local jewelers with the BriteCo™ Appraisal Management System, which helps streamline the appraisal process. Once an appraisal is completed by a jeweler (often while the customer’s still in your store), BriteCo™ immediately sends your customer an insurance quote via text or email. From there, it takes just another minute or two for them to purchase 5-star rated coverage.

With BriteCo™, getting 5-star rated jewelry insurance coverage is fast, easy, and simple.

BriteCo™ provides your customer with an instant quote to immediately buy the most competitive jewelry coverage available at an affordable price.

• BriteCo™ makes sure your customers have the right amount of insurance coverage from an AM Best A+ rated insurance carrier backed by some of the world's largest reinsurance companies.
• Your customer gets full replacement coverage with BriteCo™ jewelry insurance. Warranties and homeowners policies typically don’t cover things such as loss, theft, or mysterious disappearances.
• BriteCo™ coordinates all maintenance, repair, and replacement claims through you, the referring jeweler, meaning your customer comes back to you in the event of a jewelry claim. Plus, we have no preferred networks, allowing you to use your preferred suppliers.

See our coverage description for a quick comparison with other policies.

Not if it’s a higher value piece. That’s because homeowners or renters insurance policies have a reimbursement or replacement limit of only $1,000 to $2,000. If the value of your customer’s jewelry piece or watch is greater than that amount, then their existing insurance policy would not cover the full replacement cost in the event of a loss. Your customer would have to pay the difference in value out of their own pocket.

Example: Say your customer purchased a $10,000 engagement ring that was only covered by a standard homeowner’s policy, which has a $2,000 coverage limit. If that ring was lost or stolen, they would have to pay $8,000 out of pocket to replace it.