Jewelry Insurance Calculator: Protect Your Valuables
Jewelry insurance provides coverage for your engagement rings, watches, and fine jewelry against loss, theft, damage, and mysterious disappearance. Standard homeowners insurance often has low limits for jewelry.
This calculator estimates your annual premium based on total jewelry value, number of pieces, and deductible. Typical rates are 1-2% of the appraised value per year.
The average engagement ring costs $5,000-$6,000 and is one of the most commonly lost or stolen items. Dedicated jewelry insurance provides full replacement value with no deductible.
For related tools, see our home insurance calculator and wedding insurance calculator.