So, here’s what happened. I lost a bracelet last year—gold, chunky, my grandma’s. Gutted me. No insurance, no backup. Gone, like poof. That’s when I figured, “Okay, enough playing games.”

By 2025, jewellery ain’t just decoration anymore. It’s value, sentiment, and for some of us? It’s part of who we are. I mean, try telling my mom her engagement ring is “just a ring.” Go on. I dare you.

Anyways, I stumbled on InsureDirect, almost by accident. My friend mentioned it during brunch while showing off her new watch—insured, obviously. I didn’t even know jewellery insurance was a thing outside of big house policies. Guess what? I was real wrong.

These Days, Losing Jewellery Happens More Than You Think

You probably don’t expect to lose your ring or something. No one does. But lemme tell you—it’s way easier than people realize. I’ve heard stories. Dropped in a sink. Fell off while hiking. Straight-up vanished from a suitcase at the airport.

Climate stuff too. My cousin’s apartment flooded last year. Everything soaked. Even her locked drawer didn’t save the diamond earrings. That’s where it hits you—homeowners insurance didn’t cover the full value. Not even close.

So yeah. Jewellery insurance? More necessary than ever.

What the Heck Even Is InsureDirect?

Okay, not gonna lie—I thought InsureDirect was just another generic insurance thing. But turns out, it’s kinda laser-focused. They got a whole policy category just for jewellery, and it ain’t buried under fine print like other companies I checked.

It covers:

If it gets lost (like actually lost, not just stolen)
Theft, anywhere (even on vacation)
Scratches or damage (yes, even dumb ones you cause)
Fire, flood, or natural disasters
Random disappearance (which is a real thing, apparently)

And it’s worldwide. Which helped, ‘cause I travel a lot. My earrings fly more than most people I know.

Getting a Quote Took Me Like, 4 Minutes

Honestly, I thought it was gonna be annoying. I had my snack in one hand, phone in the other, expecting a 20-minute form. Nope.

Typed in my info, uploaded a photo of the ring, added the receipt. That was it. Got my quote before I even finished my sandwich. Wild.

And you don’t gotta talk to anyone unless you want to. I mean, I like talking, but sometimes I just wanna click buttons in peace, y’know?

It’s Affordable. No, Seriously.

I used to think only rich people insured jewellery. Turns out, it’s like… 1%–2% of the item’s value per year.

So if your ring’s $5K, you’re paying like $50 to $100 annually. I blow that on coffee without blinking. But protecting a ring? Worth every cent.

Also, InsureDirect gave me the option of $0 deductible. Which I took. Because I don’t wanna fight over a bill if I’m already crying about losing something I love.

They Cover All Kinds of Stuff, Too

This part surprised me. I thought they’d just insure the basic bling. Nope. I asked and they were like:

“Yeah, we cover all jewellery types, vintage, modern, even watches.”

My brother got his Omega covered through them. Same for my aunt’s vintage brooch collection. I guess they don’t care what it is—if it sparkles, they’ll cover it.

The Coolest Bit? Auto-Adjusting Values

This blew my mind a little. So jewellery changes value. Prices go up, diamonds appreciate, markets shift.

InsureDirect automatically adjusts your policy when your item goes up in value. Like, you don’t even have to remember to do anything. It just… updates. That’s one less thing I gotta think about.

Filing a Claim? (Unfortunately) Yes, I Did That Too

I lost a sapphire earring in May. I still have no idea where. Probably the gym. Could’ve been the laundry. Either way—gone.

Filed the claim online. Uploaded a photo of the other earring, my original receipt, wrote a lil’ blurb. Boom. Got paid within two weeks.

I’ve had more stressful pizza deliveries than that claim process.

Here’s What You’ll Need to Get Started

Pretty simple, really:

Go to InsureDirect.com
Pick “Jewellery Insurance”
Snap a photo of the item
Enter your item details (like where ya bought it, cost, etc.)
Get the quote, buy the policy, and relax

That’s it. You can manage it all from their dashboard. Super chill.

A Few Quick FAQs (Because I Had ‘Em Too)

Do I need an appraisal?
Sometimes, yeah. Usually if it’s over $1,000. I had a receipt, so I didn’t need one.

Do they insure inherited stuff?
Yup. As long as you can reasonably estimate its value.

Do they cap coverage amounts?
Nope. I asked. You can insure a single $300 ring or a $150K diamond necklace. They don’t judge.

Final Thought Before I Log Off

Look—I used to roll my eyes at insurance stuff. Thought it was just another monthly charge. But man… the second I lost something valuable and had nothing to fall back on? I felt it. Deep.

InsureDirect got my back. The setup was easy, claims smooth, prices fair. I ain’t looking elsewhere.

So if you’ve got jewellery worth more than a new pair of sneakers? You better cover it. Before it’s too late.

Looking for reliable home insurance coverage? InsureDirect makes it fast and simple. Getting a quote takes just minutes!

Visit our website or reach out to our corporate office:

InsureDirect.com
Corporate Office
618 South Broad Street
Lansdale, PA 19446
📧 contact@insuredirect.com
📞 (800) 807-0762 ext. 602

Protect your home and enjoy peace of mind with trusted coverage from InsureDirect—because your home deserves the very best.