The Carat Vault

Frequently Asked Questions

What items are covered?

All personal jewelry items: Engagement rings, earrings, bracelets, necklaces, heirlooms, and watches.

Why have individual coverage instead of coverage through homeowners?

The greatest advantage of having individual coverage is that filing a claim won't affect your homeowners insurance rates.

What does it typically cost to insure my jewelry?

Typically the annual premium is between 1.5% - 2% of the value of the items each year.

Who is my jewelery insured by?

Coverage is provided by Jewelers Mutual.