When it comes to your jewelry, you want to wear it, not worry about it.
But with life comes accidents. That’s where we come in. At Truska Insurance, we understand the common misconceptions of insurance, and we strive to combat them by offering a truly remarkable experience to our customers. We’ve been insuring jewelry and only jewelry for over 25 years. We understand how important your jewelry is to you.
What We Cover
While some insurance policies may only cover jewelry theft, we cover real life. We realize you can’t always pinpoint how or where your jewelry disappeared, so we cover mysterious disappearance – a coverage often overlooked by other carriers. Jewelry that’s loved and worn doesn't stay pristine, either. So if your jewelry gets damaged, that's covered too.
You left your ring somewhere – on a beach towel or in a hotel room. It’s out there somewhere but you can’t find it. It’s covered.
We all know that feeling of dread when something we cherish is stolen. But you can rest assured that your stolen piece is covered, too.
You hit your diamond ring on the edge of a table and it cracks, or you’re pulling on a sweater and a prong is bent. Accidents happen. We’ll cover that.
Sometimes jewelry just disappears – it could be lost, stolen or hanging out in a drainpipe somewhere. You may not be able to explain how, where or when it happened. Don’t worry, that’s covered.
Normal Wear and Tear
Normal wear and tear refers to the gradual wearing or damage that occurs over an extended period of use. We will pay for the following which are caused by normal wear and tear: prong retipping, broken, worn or bent prongs, broken earring posts, clasp replacement, restringing of broken or stretched pearl strands; and stone tightening.
We are available to residents in the United States and Canada. While the home address of both the jewelry wearer and applicant need to be in the United States or Canada, our coverage does travel with you worldwide. You can jet-set across the globe and not have to worry about wearing your favorite jewelry.
Our policy also covers loose stones, including while they are being set by your jeweler. This coverage is not found in all insurance policies.
3 Risks Of Relying on Your Homeowner Insurance for Jewelry Coverage
Homeowner Insurance may not provide enough coverage that is accidently lost or damaged including worldwide travel.
A typical home policy may have a deductible of $500 and may only cover up to $1,500 for certin types of losses.
Filing a jewelry claim could raise the premium or, in some cases, cancel/non-renew your entire homeowner policy.
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It never hurts to shop. With our vast network of companies, we can typically save our clients hundreds of dollars when switching their insurance to us.