Diamond Insurance
Protect your once-in-a-lifetime purchase with the right coverage — fast, affordable, and stress-free.
Best Jewelry Insurance: BriteCo vs Lavalier vs Others
We tested every major jewelry insurer. See real quotes, claim experiences, and why BriteCo (up to 125% replacement value + $0 deductible) and Lavalier consistently beat Jewelers Mutual and homeowner riders on price and service.
What To Do The Day You Buy Your Ring
You just made one of the biggest purchases of your life — now protect it. Follow this exact 7-step checklist the moment you take possession: get it appraised, insured, safely stored, sized, cleaned, and regularly inspected. Skip one step and you risk losing everything.
Frequently Asked Questions
Yes — almost always. Standard homeowner/renter policies cap jewelry coverage at $1,000–$2,000 and exclude 'mysterious disappearance' (the #1 way rings are lost). Dedicated jewelry insurance has zero or low deductibles and covers loss, theft, damage, and disappearance worldwide.
Typically 1–2% of the diamond’s value per year. A $10,000 ring costs only $100–$200 annually. Many of our clients pay $8–$15 per month and get full worldwide replacement coverage with $0 deductible.
You can 'schedule' it with a rider, but it’s usually more expensive and has more restrictions. Standalone jewelry policies (BriteCo, Lavalier, Jewelers Mutual) are cheaper, have better coverage, and pay out faster.
The same day you take possession — even before the proposal. Most insurers let you buy coverage the same day and back-date it 24–48 hours. Don’t wait until it’s on her finger.
Absolutely. They cost thousands and can be lost, stolen or damaged just like natural diamonds. The good news: because they’re less expensive, the annual premium is lower for the same coverage.
Just your receipt/invoice + GIA/IGI certificate or professional appraisal. BriteCo and Lavalier can even do the appraisal for you online in minutes.