GemValue Coverage


Coverage that suits your lifestyle. A policy that gives you choices. Service that consistently gets high marks. And no surprises when it comes time to report a claim. GemSafe® offers coverage beyond your expectations.

Repair and Replace Coverage

Our GemSafe coverage protects your financial investment from the moment of purchase. With an appraisal or bill of sale, complete protection for your jewelry is simple and affordable. GemSafe® coverage returns you to your partner for repair or replacement.

Benefits of GemSafe coverage include:

  • Repair or replace your lost or damaged jewelry through your partner.
  • Insurance is underwritten using your appraisal or bill of sale.
  • Separate jewelry coverage helps avoid the risk of putting your valuable homeowner’s coverage at risk — claims against homeowner's policies create the risk of higher premiums, non-renewal, or cancellation in the event your jewelry is lost or stolen.
  • Breakage protection. Coverage for breakage or damage to fragile items is automatically included. This coverage is typically restricted or excluded in homeowner’s policies.
  • Worldwide coverage. Your valuables are automatically covered wherever you take them — anywhere in the world.
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