Your Valuable Jewelry Optimally Protected
Jewelry is more than just valuable possessions – it tells stories. Your wedding ring symbolizes love, grandmas gold chain carries memories, and yours diamond earrings are an investment. But what if you lose them, they are stolen, or they are damaged?
A standard home contents insurance often provides insufficient protection. The maximum for jewelry is usually between €2,500 and €15,000, loss is excluded, and you are not covered outside the home. Immediately Jewelry insurance (valuables insurance) are your jewelry Insured worldwide against theft, loss and damage.
At Finass Verzekert we compare 30+ insurers and find the best coverage for your specific jewelry. From a single wedding ring to a complete collection of heirlooms.
⚠️ Please note: Underinsurance due to increased gold prices
The gold price has increased by more than Up 200%. Your jewelry may be worth much more than your old appraisal report indicates. Have your jewelry reappraised to avoid underinsurance!
Which Jewelry Can You Insure?
Jewelry insurance covers all types of jewelry and personal jewelry:
Rings
Wedding rings, engagement rings, signet rings
Necklaces
Gold chains, pearl necklaces, pendants
Earrings
Diamonds, pearls, gold, silver
Bracelets
Tennis bracelets, bangles, links
Brooches & Pins
Antique brooches, cufflinks
Loose Gemstones
Diamonds, rubies, emeralds
Heirlooms
Antique & vintage jewelry
Sets & Parures
Complete jewelry sets
Materials We Insure
Home contents insurance vs. Jewelry insurance
❌ Standard Home Contents Insurance
- ✕ Jewelry max. €2,500-€15,000
- ✕ Covered indoors only
- ✕ Loss not covered
- ✕ Deductible per damage
- ✕ No couples clause
- ✕ Only burglary damage covered
✓ Jewelry insurance
- ✓ Higher limits (up to €200,000+)
- ✓ Insured worldwide
- ✓ Loss is covered
- ✓ No deductible
- ✓ Couples clause for sets
- ✓ All-risk coverage
What is your jewelry insured against?
Theft & Burglary
At home, outdoors, on holiday
Loss
Lost ring, lost chain
Damage
Drops, bumps, scratches
Robbery
Robbery, robbery
Fire & Water
Fire damage, water damage
Worldwide
Traveling, on holiday, everywhere
How much does jewelry insurance cost?
The premium is average 1% to 2.5% of the insured value per year. Below are some examples:
💰 Premium indication per year
| Jewelry | Value | Premium/year |
|---|---|---|
| Wedding ring (gold) | €1,500 | €15 - €35 |
| Engagement ring (diamond) | €5,000 | €50 - €125 |
| gold chain | €3,000 | €30 - €75 |
| diamond earrings | €10,000 | €100 - €250 |
| Complete collection | €25,000 | €250 - €625 |
📋 Valuation: Why and When?
A valuation report explains the replacement value of your jewelry officially. In the event of theft or loss, you are guaranteed to receive the appraised value.
- → Obliged for values above €2,500-€5,000
- → Validity usually 3-6 years
- → Revaluation when the gold price rises or after expiry
- → Purchase note often sufficient for new jewelry
- → Certified appraiser (TMV Federation)
- → Costs approx. 2% of the appraised value (min. €49)
💡 Tips for Jewelry Owners
- ✓ Save purchase receipts – these serve as evidence in the event of damage
- ✓ Take photos – capture your jewelry with clear photos
- ✓ Use a safe – reduces risk and sometimes the premium
- ✓ Wear jewelry discreetly – prevent robbery on the street
- ✓ Have it revalued – gold prices are rising, so is your jewelry
- ✓ Report new purchases – often automatically included up to 25%
