Independent Jewelry Coverage
Florida Jewelry Insurance
Homeowners policies cap jewelry losses at a few thousand dollars — often less than a single engagement ring. Standalone jewelry coverage or scheduled endorsements protect the pieces that matter at their real appraised value.
Inside your policy
Jewelry coverage — tailored, not templated.
Scheduled Items
Each piece insured individually at its appraised value — rings, watches, heirlooms.
Worldwide Coverage
Protection that travels with you — not just losses that happen at home.
Mysterious Disappearance
Covers a stone lost from its setting or a piece that simply vanishes — commonly excluded elsewhere.
Theft & Burglary
Full-value protection against theft, at home or away.
Damage & Repair
Covers chips, bends, and breaks, including repair or replacement by your chosen jeweler.
Newly Acquired Pieces
Automatic short-term coverage for new purchases until they're added to the schedule.
The Florida factor
Florida is a different insurance market. We work it every day.
Between travel, beach days, and an active social calendar, Florida jewelry spends a lot of time outside the house — where basic homeowners coverage is weakest. Scheduled coverage follows your pieces worldwide, with no deductible options and mysterious-disappearance protection.
In good company
A portfolio of trusted Florida carriers
Jewelry coverage where you live
Often bundled with
Protect what matters.
Tell us what you need to protect and our local team will return clear jewelry options across multiple carriers — no pressure, no spam.