- $4.51/mo
- for $6,500 Earrings
- in New York, NY
BriteCo offers super affordable, comprehensive jewelry insurance coverage up to 125% of appraised value with zero deductibles. Whether it’s engagement rings, wedding rings, luxury watches, or family heirlooms, we provide the specialized protection that standard homeowners or renters policies lack.
As Seen In…
5
Perfect Repair 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 a perfect repair in time for my wedding!
On My Finger in Time for My Wedding!
Lena B.
5
Super Easy and Great Customer Support I was very happy that my quote was aligned with my budget for insurance. After receiving my quote, I uploaded my appraisal and took a photo of my item. And that was it - super easy and great customer support
Super Easy and Great Customer Support
Gianna C.
5
Very Happy With the Policy Easy and fast online application. Very fast turn around with issued policy. You can view appraisals and view photos of the covered items in the policy that was issued. I am very happy with the policy.
Very Happy With the Policy
Beth A.
5
Claim Handled With Care There are kind, empathetic, humans working at this company who understand the emotional toll that comes with losing a precious artifact. No further words other than THANK YOU
Claim Handled With Care
Darien S.
5
Helpful and Friendly Such an easy process to sign up for the insurance! I had a couple of questions, so I called customer service directly. They were very helpful and friendly. The price on the insurance was very competitive too!
Helpful and Friendly
Carole I.
5
Easiest Insurance Transaction Ever My easiest insurance transaction ever. Insured my Fiancée's engagement ring. Pricing seemed more than reasonable based on other quotes I received. I highly recommend BriteCo!
Easiest Insurance Transaction Ever
Mark S.
5
Process Was Very Smooth A stone fell out of my wife’s ring and BriteCo paid to have it replaced. The process was very smooth and the people were extremely helpful. I highly recommend using their service!
Process Was Very Smooth
Joey S.
5
Saving Huge on Our Premiums So fast. So simple. Better Coverage for me and my wife, and we're saving a huge percentage on our premiums. Couldn't be happier with finding BriteCo!
Saving Huge on Our Premiums
Katie E.
5
I Saved Several Hundred Dollars It was so easy to insure my jewelry with Briteco! I was nervous about doing everything online, but it worked perfectly and saved me several hundred dollars and gained better coverage. Perfect!
I Saved Several Hundred Dollars
Becky S.
What Does BriteCo Jewelry Insurance Coverage Include?
BriteCo provides a specialized “all-risk” policy designed by jewelry industry experts. Unlike standard insurance, our coverage is tailored to the specific risks of owning fine jewelry and luxury watches.
Worldwide Coverage
Your jewelry is protected anywhere in the world, 365 days a year.
Zero Deductibles
You pay $0 out of pocket when making a claim for repair or replacement.
125% Replacement Value
We provide coverage up to 125% of the appraised value to protect against the rising costs of gems and precious metals.
Accidental Loss
Coverage for when items are misplaced or left behind.
Theft Protection
Comprehensive security against the theft of precious items.
Damage Coverage
Includes repair for chips, scratches, or bent prongs.
Mysterious Disappearance
Coverage for when an item is simply gone and there is no logical explanation for the loss.
No Claims Reporting
Making a jewelry claim with BriteCo means no impact on any other insurance
How Much Does Jewelry Insurance Cost?
Jewelry insurance typically costs between 0.5% and 1.5% of the item’s appraised value per year. For most BriteCo customers, this equates to less than $5 per month to protect an engagement ring or luxury watch. Other insurance providers typically charge between 1% to 3% of an item’s value.
- $4.68/mo
- for $8,250 Engagement Ring
- in Chicago, IL
- $4.17/mo
- for $1,100 Wedding Band
- in Miami, FL
- $5.23/mo
- for $8,600 Pendant Necklace
- in Austin, TX
- $10.60/mo
- for $11,750 Watch
- in San Francisco, CA
- $6.06/mo
- for $5,500 Engagement Ring
- in Phoenix, AZ
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.
Where to Get Jewelry Appraised?
The best place to get jewelry appraised is an independent, credentialed appraiser (e.g., GIA GG + NAJA/ASA/ISA) or a trusted local jeweler. Use national directories (NAJA, ASA, ISA, AGS/GIA listings) or your insurer’s network. BriteCo also offers an Online Appraisal Valuation, a certified PDF via email for $26.
How Much Does a Jewelry Appraisal Cost?
A jewelry appraisal cost typically ranges from $75 to as high as $150 or more, while you can expect an average cost of $75 to $100. Appraisal cost depends on the type of appraiser you choose. Many retail jewelers offer appraisal services based on a flat charge per piece. Other professional appraisers may base your cost on an hourly rate. You may also expect that getting several pieces appraised at once may qualify for a discount.
As a jewelry insurance provider, BriteCo also offers a convenient online insurance appraisal service. You can learn more here.
Trusted by Thousands of Jewelers
Across the USA
Learn More About Jewelry Insurance
July 29, 2022 
Quick and Easy Claims
See How BriteCo Insurance Gives You So Much More
| Coverage |
|
Other Online Jewelry Insurance | Typical Renters / Home Owners Insurance | Typical Jewelry Warranty |
|---|---|---|---|---|
| Coverage Limits | 125% of Appraisal Value* | Appraisal Value | Capped as low as $1,000 | Appraisal Value |
| Worldwide Coverage | Yes | Yes | Yes | Yes |
| Damage | Yes | Yes | Not always | Yes |
| Loss | Yes | Yes | No | No |
| Theft | Yes | Yes | Limit | No |
| Mysterious Disappearance | Yes | Yes | No | No |
| Free Additional Insured at Different Address | Yes | Yes | No | No |
| No Impact of Claims on Homeowners Insurance | Yes | No | No | Yes |
| Preventive Maintenance † | Yes | Not always | Not always | Yes |
| Discount for Annual Pay | Yes | Not always | Not always | Not always |
| Monthly Pay Option | Yes | Not always | Not always | Sometimes |
| Zero Deductible | Yes | Sometimes | Not always | Not always |
| Free Automated Annual Insurance Value Updates | Yes | Not always | No | No |
Comprehensive Maintenance Coverage
BriteCo doesn’t just cover theft; we cover the maintenance that prevents loss, including prong retipping, clasp replacement, and stone tightening.
*Included with all standard jewelry policies
Why Insure Your Jewelry with BriteCo?
BriteCo offers comprehensive, affordable worldwide coverage with $0 deductibles for loss, theft, damage, and mysterious disappearance – plus up to 125% appraisal coverage, so your piece can be fully replaced even if prices rise. In contrast, most homeowners/renters policies cap jewelry with low sub-limits ($1,000–$2,500) and exclusions, making a standalone policy the safer choice.
BriteCo is superior because:
- It Won’t Affect Your Home Insurance
Filing a jewelry claim with BriteCo won’t cause your homeowners’ premiums to spike. - Specialized Claims Handling
We work directly with your preferred jeweler to ensure your piece is replaced with the exact same quality and specifications.
- No Hidden Costs
With $0 deductibles, you never have to “buy back” your own jewelry after a loss.
Trusted Experience and Expertise: The BriteCo Difference
Founded by Experts, Backed by Giants
BriteCo was founded by Dustin Lemick, a third-generation jeweler (GIA Graduate) and CEO, to directly address the gaps in jewelry insurance coverage while making comprehensive protection more affordable.
A+ Rated Security
All policies are underwritten by an AM Best A+ rated insurance carrier, ensuring we have the financial strength to pay every valid claim.
Technology-Driven
Our proprietary software allows you to get a quote in 60 seconds and full coverage in under 2 minutes.
Empathetic Support
Our claims team understands the emotional toll of losing a sentimental item. We don’t just process paperwork; we restore memories.
Trusted Transparency
BriteCo eliminates complexity and jargon to help you immediately understand what coverage you’re getting and what you are paying for.
Frequently Asked Questions
Do I need an appraisal to get insurance?
Yes, a professional appraisal ensures that your jewelry is insured for its true replacement value. BriteCo can often assist in streamlining this process through our network of retail jewelers.
Is my jewelry covered if I travel abroad?
Yes. BriteCo provides worldwide coverage. Whether you are on a honeymoon in Paris or a business trip in Tokyo, your items are protected 24/7.
How do I file a claim?
Claims can be filed online instantly via our website. Once approved, we coordinate directly with your jeweler to repair or replace your item, paying them directly so you are never out of pocket.
Does a BriteCo jewelry claim affect my homeowners insurance?
No. BriteCo does not report jewelry claims to CLUE or A-Plus data services. A claim through your BriteCo policy stays with us and will not affect your homeowners insurance premiums, eligibility, or future underwriting. Most homeowners insurance companies use CLUE or A-Plus reports to evaluate risk, set rates, and determine eligibility.
Because BriteCo doesn’t report to these databases, a jewelry claim through BriteCo can’t impact your home policy — keeping your premiums lower and your coverage options open. Be sure to ask your insurer if they report claims to any data services.
How Can You Protect Jewelry?
Jewelry protection starts with prevention and insurance. The most common causes of jewelry insurance claims are theft and accidental loss, so combining a strong jewelry insurance policy with practical security measures offers the best protection. You can also install a home security or alarm system to reduce the risk of burglary, store jewelry in a home safe for everyday protection, or a safe deposit box or bank vault for rarely worn jewelry.
What Types of Jewelry Does BriteCo Cover?
BriteCo covers most types of fine jewelry, including everyday and high-value pieces. Covered items include engagement and wedding rings, earrings, pendants and necklaces, bracelets, and watches. Engagement ring insurance is the most popular BriteCo policy, protecting rings against theft, loss, accidental damage, and common repairs such as fixing loose stones.
Is Jewelry Insurance Worth It?
Yes, jewelry insurance is worth it for most jewelry owners, especially for valuable or sentimental pieces. Jewelry insurance protects against financial loss from theft, loss, damage, and disappearance—events that are not fully covered by standard homeowners or renters insurance.
With BriteCo monthly premiums often cost less than $5 per month, there are no deductibles, coverage applies worldwide claims can reimburse up to 125% of your jewelry’s appraised value. For a relatively low cost, jewelry insurance provides peace of mind and protection that typically exceeds standard insurance coverage.
What Are Coverage Limits for a BriteCo Jewelry Policy?
BriteCo offers high coverage limits designed for valuable jewelry collections. Coverage limits include:
- Up to $300,000 per individual jewelry item
- Up to $750,000 total for a scheduled jewelry collection
BriteCo policies include worldwide coverage, protection against loss, theft, damage, and mysterious disappearance, coverage for preventive maintenance and no deductibles. You can get a BriteCo jewelry insurance quote online in about 30 seconds, making it easy to insure both single high-value pieces and full collections.
Ready to Protect Your Most Precious Items?
Join thousands of satisfied customers who trust BriteCo for the most comprehensive jewelry insurance in the industry.
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