Should You Insure
Your Jewelry?

Let’s be real, if you’ve invested in a ring you love, the last thing you want is to damage or lose your precious investment. But accidents happen—that’s why protecting your sparkle is absolutely essential.

Whether it’s everyday wear and tear or an unexpected loss, having jewelry insurance gives you peace of mind, so you can enjoy wearing your engagement ring without worry. Here’s everything you need to know about insuring your jewelry:

Why Jewelry Insurance Matters

Fine jewelry is more than just a precious investment—it’s a reflection of love, milestones, and carries sentiment you can’t put a price on. That’s exactly why insuring your jewelry isn’t just practical, it’s a thoughtful way to protect what matters most.

Annual coverage for a Jewelers Mutual policy generally costs 1% to 2% of your ring’s value, paid each year. For example, if your ring is worth $5,000, you could pay $50 a year. Due to it’s low cost, adding jewelry insurance to your piece is truly a no brainer.

From accidental damage to sudden loss or theft, jewelry insurance is there when the unexpected happens. It covers everything from repairs to full replacement—including those moments you didn’t plan for. Now, let’s break down exactly how jewelry insurance works and why it’s worth it.

What Does Jewelry Insurance Cover?

While policies can vary, most jewelry insurance plans protect against:

> Loss, theft, or incidental damage.

> Stone replacement fee.

> Setting repair or replacement—including prong tightening.

> Repair costs related to both stones and settings.

How Does Jewelry Insurance Coverage Differ from Manufacturer’s Warranty?

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	Moissanite & lab-diamond lifetime warranty Automatically applied to every Zen Moissanite order.	Manufacturer’s lifetime warranty (on jewelry setting) Automatically applied to every Zen Moissanite order.	Jewelry insurance Must be purchased separately directly with Jeweler’s Mutual.
Damages to the center stone	✔ Guarantees your gem’s internal optical properties will not change over time (colour, brilliance, clarity, etc.) ✘ Does not protect you against exterior damages such as scratches, chips, etc.	✘	✔ Protects you against external damages to your stone (scratches, chips, etc.) following an incident or wear & tear. Also protects you against the loss of a stone (replacement) and any setting fees associated.
Damages to the jewelry piece	✘	✔ Protects you against manufacturing defects (upon delivery) ✔ Protects you against manufacturing breaks after wear (if the damage can be linked to the manufacturing, not incidental or wear and tear) ✘ Does not protect you against incidental damages (damages requiring repairs, following an incident) ✘ Does not protect you against damages due to wear and tear (typical routine maintenance repairs following wearing the ring for an extended period of time).	✔ Protects you against incidental damages (damages requiring repairs, following an incident) ✔ Protects you against damages due to wear and tear (typical routine maintenance repairs following wearing the ring for an extended period of time).
Theft	✘	✘	✔
Accidental loss	✘	✘	✔
Loss during worldwide travel	✘	✘	✔
Loss during transit/shipping (if you ship your ring to the jeweler for repair)	✘		✔

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	Moissanite & lab-diamond lifetime warranty Automatically applied to every Zen Moissanite order.	Manufacturer’s lifetime warranty (on jewelry setting) Automatically applied to every Zen Moissanite order.	Jewelry insurance Must be purchased separately directly with Jeweler’s Mutual.
Damages to the center stone	✔ Guarantees your gem’s internal optical properties will not change over time (colour, brilliance, clarity, etc.) ✘ Does not protect you against exterior damages such as scratches, chips, etc.	✘	✔ Protects you against external damages to your stone (scratches, chips, etc.) following an incident or wear & tear. Also protects you against the loss of a stone (replacement) and any setting fees associated.
Damages to the jewelry piece	✘	✔ Protects you against manufacturing defects (upon delivery) ✔ Protects you against manufacturing breaks after wear (if the damage can be linked to the manufacturing, not incidental or wear and tear) ✘ Does not protect you against incidental damages (damages requiring repairs, following an incident) ✘ Does not protect you against damages due to wear and tear (typical routine maintenance repairs following wearing the ring for an extended period of time).	✔ Protects you against incidental damages (damages requiring repairs, following an incident) ✔ Protects you against damages due to wear and tear (typical routine maintenance repairs following wearing the ring for an extended period of time).
Theft	✘	✘	✔
Accidental loss	✘	✘	✔
Loss during worldwide travel	✘	✘	✔
Loss during transit/shipping (if you ship your ring to the jeweler for repair)	✘		✔

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How to Get Jewelry Insurance

Getting your ring insured is easier than you might think. Here’s a quick rundown:

1.Get a professional appraisal:

We provide a professional appraisal with every Zen Moissanite purchase to confirm your ring’s value and details—simply contact us to get started!

2.Choose the right policy:

You can add jewelry coverage to your existing homeowners insurance, or select a standalone policy through an alternative jewelry insurance provider. We recommend Jewelers Mutual for its comprehensive coverage for fine jewelry.

3. Keep your documentation:

Keep your purchase receipt, professional appraisal, and photos of your engagement ring handy to simplify any future jewelry insurance claims.

4. Enjoy peace of mind:

With jewelry insurance in place, you can confidently wear your engagement ring by knowing it’s fully protected.

While each Zen Moissanite purchase includes Moissanite/Lab-Diamond Lifetime Warranty & Manufacturer Lifetime Warranty, these policies don’t cover loss, theft, or incidental damage.

That’s why, we always recommend purchasing jewelry insurance through a third-party provider to protect your investment against these risks.

Final Thoughts

From daily wear to life’s unexpected moments, your engagement ring goes through a lot. While each Zen Moissanite ring comes with a Moissanite/Lab-Diamond Limited Lifetime and Manufacturer Lifetime Warranty, those policies don’t cover loss, theft, or incidental damage.

That’s why insuring your jewelry is one of the most thoughtful ways to protect not just its value—but everything it represents. Contact us to get started today!