Super affordable, exceptional coverage up to 125% of appraised value. No deductibles. Monthly pay option.
As Seen In…
Insurance You Can Trust
Real reviews from our happy customers
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
TClaim 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?
Insuring jewelry with BriteCo gives you fast, affordable, 5-star rated jewelry coverage
Worldwide Jewelry 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 international coverage when traveling.
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
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.
Loss
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 have the protection you need.
Theft
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.
Damage
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.
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?
(Hint: very!)
Jewelry insurance is more affordable than you may think. In fact, some BriteCo policies are less than $5/month! When you factor in all that our jewelry insurance covers — from damages to loss and theft — it’s a priceless investment. Below are examples showing what real BriteCo policy payments look like, from $4.51 a month for a pair of $6,500 earrings to $4.68 a month for a $8,250 engagement ring.
$4.51/mo
for $6,500 Earrings
in New York, NY
$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.
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 $1000 | Appraisal Value |
| Worldwide Coverage | ||||
| Damage | Not always | |||
| Loss | ||||
| Theft | Limit | |||
| Mysterious Disappearance | ||||
| Free Additional Insured at Different Address | ||||
| Limited Impact of Claims on Homeowners Insurance | Not always | |||
| Preventive Maintenance † | Not always | Not always | ||
| Discount for Annual Pay | Not always | Not always | Not always | |
| Monthly Pay Option | Not always | Not always | Sometimes | |
| Zero Deductible | Sometimes | Not always | Not always | |
| Free Automated Annual Insurance Value Updates | Not always |
*Included with all standard jewelry policies
† Covers prong retipping; broken, worn or bent prongs; broken earring posts; clasp replacement; restringing of broken or stretched pearl strands; and stone tightening
Why insure your jewelry?
Why insure your jewelry?
-
Homeowners or renters insurance 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 and affordable 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!
Answer a few simple questions
Choose how you want to pay
Instant peace of mind
BriteCo Gives You These Big Advantages
Prompt claims replacements
through your trusted,
local jeweler
No extra charge
to easily add co-insured person to your jewelry insurance.
Annual insurance
coverage updates, no need to get re-appraisals
Backed by an AM Best
A+ rated insurance carrier
Accidents Happen
Accidentally 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
Frequently Asked Questions
Do You Need a Jewelry Appraisal for Insurance?
Yes, jewelry appraisals are generally required (or highly preferred) for insurance on jewelry. A jewelry appraisal or detailed receipt is a document that describes the characteristics of a piece of jewelry with an approximate value assigned to it. A gemstone grading report, which outlines the more specific details of the diamond or stone, including color, clarity, cut, and carat weight, may also be included.
How Do I Get My Jewelry Appraised?
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.
Does Renters Or Homeowners Insurance Cover Jewelry?
It would be easy to assume that homeowners and renters insurance cover jewelry pieces. But the truth is that these policies typically cover just a limited amount of the total value of your collection, and a deductible will usually apply, meaning you’ll have to pay out of pocket to repair or replace your item. In addition to the limited coverage options, many traditional insurance companies will have you add on an unscheduled jewelry endorsement rider, which will also end up costing you more. Your best bet to fully protect your collection is a company like BriteCo that exclusively handles jewelry.
How Can You Protect Jewelry?
In some cases, what often causes jewelry insurance claims are situations related to theft and loss. In addition to a good jewelry insurance plan, there are other precautions you can take to protect your collection. A home alarm is one way to prevent burglary attempts. If you have specific high-end items you may not want to risk leaving at home, consider a safe deposit box or bank vault for an extra layer of protection.
What Types of Jewelry Does BriteCo Cover?
BriteCo covers rings, earrings, pendants, bracelets, and watches. The most popular option is engagement ring insurance, which protects your jewelry against theft, loss, damage, and repairs such as fixing loose stones. BriteCo offers worldwide coverage with no deductible, fast claims processing, and policies tailored to your jewelry’s value - providing comprehensive protection for both everyday pieces and high-value items.
Is Jewelry Insurance Worth It?
Yes! Jewelry insurance is absolutely worth it, especially when you have a policy with a company like BriteCo, where premiums are often less than $5 a month and, in return, you receive above-standard coverage. BriteCo policies cover your jewelry collection anywhere worldwide with no deductibles and up to 125% of its appraised value.
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 $250,000, and a maximum total of $750,000 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 Jewelry 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 services representatives.
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. Get quotes and coverage in minutes.
