Underwriting Guidelines
Same day quotes & binding
- Items to $500,000
- Schedules to $2,500,000
- Higher limits available
- Highly knowledgeable underwriters
- Best rates (admitted & non-admitted)
Jewelry eligibility
- All jewelry and watches over $1,000 in value
- Antique and period jewelry
- One-of-a-kind pieces
- Sorry, no loose stones
Coverage
- ISO Personal Articles Floater (Jewelry Floater)
- All risk coverage with few exclusions
- Actual cash value
- Agreed value option (additional premium applies)
- No deductible (others available: $100, $250, $500, $1000)
Agent submittals
- Appraisal or other jewelry insurance document (older appraisals OK)
- Photograph(s) (digital preferred: more information)
- Sales receipt (if insured has it)
- Diamond or colored stone grading report (if available)
Companies and Reinsurers
Our carriers and reinsurers are A-rated and carry the following ratings:
- A (Excellent) — A.M. Best Company
- A- (Strong) — Standard & Poor’s
Download Underwriting Guidelines (1 page PDF)