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Chubb ranked #1 for Customer Satisfaction with the Home Insurance Claims Experience
Chubb ranked #1 for Customer Satisfaction with the Home Insurance Claims Experience
Chubb ranked #1 for Customer Satisfaction with the Home Insurance Claims Experience
Chubb ranked #1 for Customer Satisfaction with the Home Insurance Claims Experience
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Many digital-savvy consumers look for it as a core or add-on option.
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Many digital-savvy consumers look for it as a core or add-on option.
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Jewelry Insurance
Jewelry coverage highlights
Offering worldwide coverage for most losses and no deductible, Chubb provides the insurance you need to feel confident wearing or traveling with your fine jewelry or luxury watch.
We only require appraisals for individual jewelry pieces valued at $100,000 or more. Otherwise, we just need a detailed description and estimated value.
Our claim adjusters provide assistance when you need it most, with efficiency and compassion. Their target is to respond to claims within 24-hours and once approved, to issue payment within 48 hours.
Once you have an active policy with itemized jewelry, any newly-acquired pieces will be covered by up to 90 days (25% of itemized coverage).
We offer a cash settlement option for total losses if you’d rather not repair or replace your damaged or missing jewelry or watch. We’ll pay you 100% of the agreed value for a covered loss.
If the market value of an item before a loss exceeds the amount of coverage, we'll pay up to 150 percent of the amount, itemized on your policy to account for increases in market value.
Frequently asked questions
Whether you own one piece of fine jewelry, a number of vintage watches, or a whole collection of valuable items, insurance for your jewelry can provide you with peace of mind, knowing that you’ll be able to repair or replace it after a covered event.
With Chubb jewelry insurance, you’re automatically covered for new purchases and for jewelry on loan or consignment, and you’ll have access to qualified experts who can share tips on how to protect your jewelry from burglary or refer you to the jewelry specialists you need.
Chubb’s jewelry practice includes in-house GIA Accredited Jewelry Professionals in underwriting, loss prevention, and claims. They are available to provide referrals to jewelry professionals as well as services such as:
- Collection valuation review — To determine whether your jewelry values are in line with the market or need to be appraised based on recent auction results and sales trends.
- Collection risk assessment — Including review of your alarm and security controls, jewelry-safe specifications, fire protection, and guidance around safely transporting items.
- Collection management — Including guidance for maintaining, managing, and enjoying your jewelry collection with private, mobile access and up-to-date inventory details.
A typical homeowner’s policy is designed to insure your home and its contents, usually limiting coverage of jewelry and watches to a maximum amount, typically $5,000 or less. So, if your items cost more than that, you won’t be able to replace it with a similar item. If you claim a jewelry or watch loss on your home insurance, it can affect the overall cost of your home insurance because everything is grouped together on one policy. Having a separate valuables policy preserves your home insurance premiums should only your jewelry and watches be affected.
No, this is a $0 deductible policy. Adding a deductible is not available.
If the market value of a jewelry or watch covered on your policy increases before a loss, we’ll pay the market value before the loss – up to 150% of your item’s insured value. This is subject to the maximum amount of coverage of your jewelry or watch collection.
However, as each piece is unique and values fluctuate over time, we recommend periodically tracking the market value of your items so that you’re best insured.
You will need photos of each of your items with a copy of today’s newspaper or something indicating today’s date in the background. For items valued higher than $100,000, you will also need to submit a purchase invoice or recent appraisal.
If you experience a loss, please call us at 1-800-CLAIMS-0 (1-800-252-4670). We recommend taking detailed notes regarding the loss (i.e., date, time, location, and any relevant details). Chubb's claims processing times may vary by claim. Once a claim has been resolved, Chubb provides payment as quickly as possible.
Coverage related to jewelry insurance
Insights and expertise
This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.