Insurance Compared

Jewellery Insurance vs
Home & Contents 

Is Your Collection Protected?

Your jewellery holds significant financial and sentimental value. And the best way to safeguard it is with specialised insurance. But which kind is right for you? This guide will help you discover the perfect policy.


Special Protection for Invaluable Pieces

Insuring your cherished jewellery differs from protecting everyday appliances. For this reason, it’s important to learn the nuances of jewellery insurance versus home and contents insurance for your complete peace of mind.


Examining Home & Contents Insurance

Sure, home and contents insurance does cover household items. But it may fall short when it comes to high-value jewellery. Here are some common limitations:

  • Coverage for high-value items like jewellery is often inadequate.
  • You might discover caps on individual item coverage.
  • Your jewellery may only be protected within your home.

Knowing Your Limits

Home and contents insurance usually has limits on high-value jewellery, such as per-item payouts or overall amounts. Be aware of these limits and how they affect your coverage. A prized piece of jewellery may be worth more than your insurer is willing to pay out. 

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Specified & Unspecified

Contents insurance often offers 2 main options:

Specified Insurance

Enables you to list individual items for higher coverage, requiring cataloguing and appraisals from a trusted jeweller.

Unspecified Insurance

Treats jewellery as part of general contents, offering limited cover. It can leave policyholders out-of-pocket.

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Are You Covered on the Go?

Home insurance typically covers items within your household. Your jewellery may not be protected outside your home. If you frequently wear your jewellery publicly or travel with it globally, it may be time to explore other options.


Benefits of Specialised Jewellery Insurance

Custom-designed to protect your precious pieces, jewellery insurance includes many added elements of coverage:

  • Tailored Policies: Get full protection against loss, theft, and damage.
  • Complimentary Revaluation: Ensure your jewellery remains covered with free annual revaluations.
  • Agreed Value: These policies provide a fixed sum, bringing clarity and peace of mind to your coverage.

Find the Worldwide Protection You Need

Every frequent flyer understands the necessity of insurance coverage outside of the home. With specialised insurance, you can travel with peace of mind, knowing your jewellery is fully protected wherever your adventures take you.


Choose JewelCover Jewellery Insurance

  • At JewelCover, our specialised jewellery insurance offers protection against theft, loss, and damage.
  • Home and contents insurance often falls short of offering full protection.
  • Limits on high-value items can leave you with out-of-pocket expenses.
  • So trust our specialised jewellery insurance to enjoy peace of mind, travel confidently, and ensure your valuable pieces are safeguarded.

JewelCover: Protecting Your Jewellery For Life

Show off your collection with confidence! Our jewellery coverage ensures your valuables stay protected for good. Get a free online quote.


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