2026 Calculator
Jewelry Insurance Calculator
Estimate your valuables coverage costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does jewelry insurance cost in 2026?
Jewelry insurance typically costs 1-2% of the appraised value per year. A $5,000 engagement ring costs $50-$100/year to insure. Rates vary by location, security, and coverage type.
What does jewelry insurance cover?
Jewelry floater policies cover loss, theft, damage, and mysterious disappearance. Unlike homeowners insurance (which has low sub-limits for jewelry), floaters provide full replacement value without deductibles.
Do I need a separate jewelry insurance policy?
Standard homeowners policies limit jewelry claims to $1,000-$2,500. For valuable pieces, purchase a jewelry floater (scheduled personal property endorsement) or standalone policy from specialists like Jewelers Mutual.