You can trace it back — your bracelet slipped off at the dog park. You remember the exact moment it happened, exactly where you were, and how it slipped away. When there’s a clear, identifiable cause and time of loss like that, you’re fully covered.

In the event of a robbery, we’ll make you whole again with an item of the same kind and quality. We work to match what you had — in craftsmanship, materials, and value — so you’re restored to where you were before the loss.

Slam, smash, ding — Maybe a clasp breaks, a stone pops out, or you bump it on something harder than you meant to. Every day wear and tear can lead to sudden damage, and those unexpected mishaps are covered as well.

Your earrings are gone, and you have no clue how or when it happened. There’s no moment you can point to, no clear explanation. That kind of mysterious disappearance happens more often than people realize, and with this coverage, it’s protected, too.

If your jewelry gets damaged in a flood, tornado, hurricane, or earthquake, or any other disaster, you’re covered for its repair or replacement. Whether it’s water damage from a surge, debris impact from high winds, the policy is designed to restore what was damaged.

Whether you’re halfway across the world or just across state lines, your protection follows you wherever you go. If something is lost, stolen, or damaged while you’re on vacation, in transit, or staying abroad, the same coverage applies. You don’t need to worry about international limits or gaps.