Theft after burglary or robbery
Coverage for theft of jewelry following a burglary or violent robbery, within the terms and security requirements of the policy.
Finass Insures
Request a quote Insure jewelry against theft, loss and damage
Your jewelry often doesn't just have a... financial value, but also a emotional value. Met een goede sieradenverzekering (valuables insurance) zijn uw sieraden beschermd tegen onder andere diefstal, verlies en beschadiging — vaak ook outdoors and during travel.
This page provides general information about jewelry insurance. Finass Verzekert is happy to assist you with personal advice.
Jewelry insurance in brief
- Coverage for jewelry against theft, loss and damage.
- Possibility of coverage outdoors and sometimes worldwide (depending on policy).
- Often based on purchase invoices and/or valuation reports .
- Finass Verzekert compares valuables insurance policies from several insurers.
Why insure jewelry?
High replacement costs
An engagement ring, wedding ring, heirloom or luxury necklace often represents a high value. Without jewelry insurance, you will be responsible for the costs in the event of theft or loss.
Limited coverage via home contents insurance
Home contents insurance usually has a maximum for jewelry, especially in the event of theft. For higher values, separate jewelry or valuables insurance is wise.
Outdoor protection
With good jewelry insurance, jewelry is often not only at home, but also outdoors and insured while traveling, according to the conditions of the policy.
What does jewelry insurance cover?
Loss and missing
Depending on the policy, (limited) coverage may apply in the event of loss or loss, for example if a ring suddenly goes missing.
Damage due to an accident
Damage caused by an accident, such as a stone falling from a ring or a chain breaking, may be included in the insurance (all risk).
Outdoor coverage
Many jewelry insurance policies offer coverage for damage or theft away from home, for example when worn in everyday life.
Travel coverage
Some policies also insure jewelry during holidays or stays abroad, often up to certain maximum limits.
The exact coverage, maximums and conditions differ per insurer. Finass Verzekert helps you compare suitable options.
What determines the premium for jewelry insurance?
Total value of the jewelry
The joint insured value of your jewelry forms the basis for the premium. Purchase invoices and/or valuation reports are often used for this.
Type of jewelry
Think of rings, earrings, necklaces, bracelets and other jewelry with diamonds, gemstones or precious metals. The more valuable and unique, the higher the risk.
Use and wearing moments
Do you use the jewelry daily or occasionally? Are they mainly worn at home or often when traveling? This plays a role in the risk assessment.
Security and storage method
The use of a safe, safe deposit box, alarm system and other security in the home influences acceptance and premium.
Coverage area
Only in the home, throughout the Netherlands or (to a limited extent) worldwide: the chosen scope partly determines the premium.
Deductible and claims history
A higher deductible can lower the premium. Any previous damage to jewelry or valuables will be included in the assessment.
Curious about the premium in your situation? Request a no-obligation estimate.
Who is jewelry insurance suitable for?
Private individuals with valuable jewelry
For example, an engagement or wedding ring, heirlooms or jewelry that you wear daily or regularly.
Households with multiple pieces of valuable jewelry
Families or couples with a collection of jewelry with a joint value that is higher than the standard contents limit.
Travelers and frequent wearers
People who wear jewelry a lot outside the home, for example during work, business meetings or (foreign) travel.
Owners of emotional heirlooms
Anyone who wants to protect heirlooms or unique jewelry against financial consequences in the event of loss or theft.
Who wants more than the contents
If the standard home contents insurance does not provide sufficient coverage for jewelry, a separate jewelry/valuables insurance is a logical step.
Customization and asset-conscious customers
Households that want to protect their assets well and avoid surprises in the event of damage.
Security, valuation and prevention insurance for jewelry
Security and storage equipment
Insurers often impose requirements on the way jewelry is stored and secured. Examples:
- Use of a certified safe or safe.
- A well-secured home (e.g. alarm system).
- Clear agreements about where jewelry is stored.
Good security reduces the risk of theft and is important for coverage and premium.
Appraisal and valuation of jewelry
For valuable jewelry, such as diamond rings or exclusive jewelry, insurers often ask for recent appraisal reports or proof of purchase. This helps to record the correct value and prevent discussion in the event of damage.
Finass Verzekert is happy to think along with you about inventory, valuation and coordination with the insurer.
Frequently asked questions about jewelry insurance
```Is separate jewelry insurance always necessary?
Not always. If the jewelry value is limited, home contents insurance can sometimes provide sufficient coverage. As soon as the value is higher or you wear a lot of jewelry outside the home, separate jewelry or valuables insurance is recommended.
Is the theft of jewelry always covered by home contents insurance?
Home contents insurance usually has a maximum reimbursement for jewelry in the event of theft, especially outside a safe. With higher values, some remain uninsured. Jewelry insurance offers higher limits and more customization.
Am I also insured outside my home?
That depends on the policy chosen. Many jewelery insurance policies offer cover outside the home, for example when worn in everyday life or when travelling, but often up to certain maximum limits and conditions.
Do I need appraisal reports for my jewelry?
For exclusive or very valuable jewelry, the insurer often asks for a recent appraisal report or proof of purchase. For smaller or less unique jewelry, global value lists are sometimes sufficient.
How is the value of my jewelry determined?
The value is determined on the basis of purchase invoices, appraisal reports and the current market value. In some cases, periodic reappraisal is advised to prevent underinsurance.
What does Finass Verzekert need for a quote?
For a good quote, we ask for, among other things: an overview of your jewelry, an indication of the values, information about security and storage methods, use (how often and where you wear them) and any existing appraisal reports. This allows us to compare suitable insurers and policies.
Insuring jewelry? Request a no-obligation quote
Finass Verzekert helps you to carefully identify your jewelry and choose appropriate jewelry or valuables insurance.
You will usually receive a response within a short time. Together we will determine which coverage best suits your jewelry and wishes.
