A History of Excellence
Why do I need jewelry Insurance and what does it cover?
Jewelry Loss Protection: Losing a cherished piece of jewelry can feel like losing a part of yourself. Whether your ring slipped off at the beach or a bracelet was left in a public restroom, our jewelry insurance covers loss so you can feel whole again.
Theft Coverage for Jewelry: If your valuable jewelry is stolen, it can be overwhelming. Our comprehensive theft insurance ensures your stolen item is replaced with one of the same kind and quality, giving you peace of mind.
Jewelry Damage Insurance: Accidents happen—whether it’s a diamond ring that cracks after hitting a countertop or a prong that bends from getting snagged. Our jewelry damage coverage ensures repairs, so your treasured pieces stay in top condition.
Coverage for Jewelry Disappearance: Sometimes, jewelry just vanishes—whether it’s lost, misplaced, or potentially stolen, and you can't explain how, where, or when it happened. Rest assured; our jewelry insurance covers these mysterious disappearances.
Natural Disaster Jewelry Protection: We understand that natural disasters like floods, hurricanes, tornadoes, and earthquakes can strike unexpectedly. Our jewelry insurance covers losses or damages caused by these events, so you’re always protected.
Worldwide Jewelry Travel Insurance: Planning a Caribbean cruise or European vacation? Our jewelry insurance provides global coverage, ensuring your items are protected no matter where your travels take you.
Inflation Protection for Jewelry: As the market changes, the value of your jewelry may appreciate. Our complimentary Insurance Value Adjustment (IVA) ensures your pieces are insured for their current worth, even if their value rises due to inflation. To ensure maximum protection, make sure to update your jewelry appraisals regularly. You can opt out of the IVA service if your item’s appraisal is more than two years old at the time of policy renewal.
Normal Wear and Tear Coverage: Over time, your jewelry will naturally show signs of wear, such as the need to retip a prong or tighten a stone. Our jewelry insurance covers these gradual wear-and-tear issues to keep your pieces in excellent condition.
What Jewelry Insurance Doesn’t Cover: While our coverage is extensive, there are a few exceptions. Our jewelry insurance does not cover losses due to war, military action, rodent and pest infestation, intentional actions, voluntary parting, general deterioration, resizing, cleaning, or inspections.
Who We Recommend...
- Unlike most insurance where you pay monthly you only pay once a year and its at a surprisingly low cost.
- Jewelers mutual is the most trusted source for jewelry insurance with the longest standing reputation.
- They have been in the jewelry industry for over 100 years.
- They are experts in jewelry so they understand when incidents occur and trust the independent jeweler of your choice to make the best decision for your piece.
- They make sure you are happy with the end result before they pay the jeweler on your behalf.
How to obtain jewelry insurance?
1. Schedule your jewelry appraisal: It is highly recommended that you have a current appraisal done on your jewelry to make sure you’ll have the proper coverage amount. The jewelry market has been highly volatile with gold prices soaring and diamond prices falling it very important to have an updated appraisal to make sure your covered.
If you need an appraisal, we have you covered. https://www.lesolsonjewelers.com/services/jewelry-appraisals
2. Get Insured: We work with the industry leading jewelry insurance company, Jewelers Mutual. To find out more you can contact us at https://www.lesolsonjewelers.com/services/jewelry-insurance
Or go directly to them at
http://www.JewelersMutual.com/GetCovered and type in our code 2449
Of course, if you have any questions regarding appraisals of obtaining jewelry insurance you can feel free to just give us a call and we would be delighted to assist you. We know that insurance can be a bit confusing and we’re here to help guide you along the way. We have been Tampa Bay’s trusted source for anything jewelry for over 35 years. Stop by our Palm Harbor studio at 1210 Nebraska Ave, Palm Harbor FL, 34683 or feel free to call us at 727-785-9624
