Jewellery Insurance

Your jewellery is more than just something you wear. These priceless pieces evoke memories of a special time in your life.

Whether you own one piece of fine jewellery, a number of vintage watches, or a whole collection of valuable items, insurance for your jewellery can provide you with peace of mind, knowing that you’ll be able to repair or replace it after a covered event. With Chubb jewellery insurance, you’re automatically covered for newly purchased jewellery for up to 90 days (25 percent of itemized coverage)and for jewellery on loan or consignment, and you’ll have access to qualified experts who can share tips on how to protect your jewellery from burglary or refer you to the jewellery specialists you need.

— Individualized coverage

We offer flexible, worldwide coverage options to meet your unique needs and cover many types of jewellery losses with no deductible.

— Liberal appraisal requirements

We only require appraisals for individual jewellery pieces valued at $100,000 or more. Otherwise, we just need a detailed description and estimated value.

— Agreed value feature

We’ll work with you upfront to determine the value of your jewellery. Then, for covered total losses, we’ll reimburse you 100 percent of the agreed value as a cash settlement.

— Automatic coverage for new items

If you already have jewellery itemized on your policy, any newly acquired pieces will be covered for up to 90 days (25 percent of itemized coverage).

— Paying market value

If the market value of an item before a loss exceeds the amount of coverage and you choose to replace the item, we'll pay up to 150 percent of the amount, itemized on your policy to account for increases in market value.

— Blanket or scheduled items

Protect your entire jewellery collection with blanket coverage, itemize your individual pieces, or do both. It’s up to you.

In-house jewellery services

Chubb’s jewellery practice includes in-house GIA Accredited Jewellery Professionals in underwriting, loss prevention, and claims. They are available to provide referrals to jewellery professionals as well as services such as:

Collection valuation review – To help you determine whether your jewellery values are in line with the market or need to be appraised based on recent auction results and sales trends.
Collection risk assessment – Including review of your alarm and security controls, jewellery-safe specifications, fire protection, and guidance around safely transporting items.

Disclaimer: This information is descriptive only. All products may not be available in all provinces and territories. Coverage is subject to the language of the policies as issued.