Covers missing, stolen, or lost items — even if you can't explain how it happened.
Image
Dependable Protection.
For Priceless Treasures.
Some pieces mark beginnings. Others carry legacy. Orion180 and Jewelers Mutual® help protect your cherished memories.
UNDERSTANDING JEWELRY INSURANCE
Insurance That Goes Above and Beyond.
Jewelry carries more than monetary value. It represents milestones, memories, and memorable moments. Standard homeowners coverage is limited. That's why Orion180 offers a dedicated jewelry solution through our partnership with Jewelers Mutual® — a company that's served the jewelry industry with care and expertise for over a century.
WHY CHOOSE JEWELRY INSURANCE
Coverage that Shines.
Worldwide Protection
Travel freely — your jewelry stays protected no matter where life takes you.
Flexible Deductible Options
Choose what works for you — including a $0 deductible in many cases.
Your Jeweler, Your Choice
Repairs and replacements are done by your trusted jeweler, not someone assigned to you.
No Impact to Your Rate
Filing a claim won't raise your homeowners premium or affect your coverage.
Coverage Details
What Jewelry Insurance Covers.
Loss & Theft
Damage
From chips and cracks to broken chains, you're covered for life's everyday accidents.
Mysterious Disappearance
When a piece just vanishes, your coverage still stands.
Natural Disasters
Fire, flood, or hurricane — protection for what matters and endures through it all.
Travel Coverage
Your policy follows you worldwide, so you're never without protection and support.
Wear & Tear
Includes preventive repair coverage for prongs, clasps, and settings that loosen overtime.
What Jewelry Insurance Doesn’t Cover.
Intentional damage or deliberate misplacement.
Confiscation by law enforcement or customs.
Breakage from built-in material flaws.
Damage caused by nuclear incidents.
Loss from rodents, insects, or pests.
Failed sales or bounced payments.
Routine cleaning, inspection, or resizing.
Wear and tear that causes failure.
Why Choose Orion180
Real Coverage for What’s Irreplaceable.
Expertise That Shines.
With over 100 years of experience, Jewelers Mutual® specializes in jewelry-only protection. Your pieces are covered by a company that truly understands their value, and is trusted by more than 1 million customers.
Standalone Jewelry Coverage.
A jewelry claim won't affect your homeowners policy. This solution stands on its own — with flexible options and protection that fits your life.
Quote. Choose. Claim.
Get a quote in minutes. Choose your own jeweler for repairs or replacements. File claims directly with Jewelers Mutual®. It's insurance made easy from start to finish.
A GIFT OF PROTECTION
Protect Every significant Milestone.
From fresh starts to legacy pieces, Orion180 and Jewelers Mutual® make it easy to protect the jewelry that marks every special moment.
Remarriage
Coverage built for new beginnings.
Anniversary Upgrade
Add protection for gifts that mark important milestones.
Jewelry Reinvestment
Insurance for updated or upgraded pieces over time.
Later-in-Life Purchases
Protection for meaningful jewelry added later in life.
Occasional Wear
Coverage for pieces that are worn rarely but matter deeply.
Heirloom Pieces
Insure jewelry passed down and passed on — with confidence.
FAQs
Common Questions About Jewelry Insurance.
What does jewelry insurance cover?
Through our partnership with Jewelers Mutual®, Orion180 offers dependable protection for your fine jewelry. Coverage includes loss, theft, damage, mysterious disappearance (unexplained loss), natural disasters, and even incidents that occur while traveling worldwide. Preventive repairs, like clasp or prong maintenance, may also be included.
Why should I consider jewelry insurance if I have homeowners insurance?
Standard homeowners policies usually offer limited jewelry protection and may not cover all types of loss. Orion180's dedicated jewelry insurance solution — backed by Jewelers Mutual® — provides broader, specialized coverage without impacting your homeowners premiums or claims history.
How much does jewelry insurance cost?
Premiums are typically 1% to 2% of your jewelry's value per year. For example, insuring a $5,000 ring could cost between $50–$100 annually. Orion180 makes it easy to protect your jewelry at a fair, accessible price through our partner.
Can I choose my own jeweler for repairs or replacements?
Yes. One of the advantages of coverage through Orion180's partnership is the ability to work with your preferred jeweler. This ensures your repair or replacement meets the same quality and standards as your original piece.
How do I file a claim?
If something happens to your insured item, claims are filed directly with Jewelers Mutual®. The process is clear and easy, with support every step of the way — from submission to working with your jeweler for repair or replacement.