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Earring Insurance

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Earring Insurance


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People have been adorning their ears with earrings for at least 7,000 years, and they are as popular today as they ever were.

If you are one of the many people in the UK who have invested in luxury, high-value earrings (or inherited antique earrings as a family heirloom) though, it could leave you with a very big headache if you lose one of them…unless you have been sage enough to invest in earring insurance.

Whether you have invested in diamond earrings or pearl earrings, adorn your ears with rubies or with emeralds, if they are worth a lot of money you could be left with a large, earring-shaped hole in your wallet if they are ever stolen, lost or damaged.

That’s why it might be a very savvy decision to insure your earrings with a relatively cheap jewellery insurance policy…and just as savvy to compare a range of high-value jewellery insurance quotes in order to ensure you find the very best earring insurance at a very competitive price.

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Can I insure antique earrings?

Yes, it should certainly be possible to find antique jewellery insurance for your antique diamond earrings or antique pearl earrings.

Many items of antique jewellery, particularly those featuring pearls, diamonds, rubies, emeralds, sapphires or other precious stones, will retain a lot of their market value over the long term, so you should be able to find a jewellery insurance specialist willing to insure your earrings if they are antique.

Still, unless your antique jewellery was appraised by a valuation expert at the time you purchased it you may not have an up to date valuation at present. If that’s the case you will probably need to have your earrings appraised before you take out a jewellery insurance policy.

It is also important to bear in mind that for very high value jewellery – with valuations of £10,000 or more, for example – some insurance companies may insist that you have your earrings re-appraised on an annual basis, which obviously adds to the overall cost of insuring your jewellery.

Can I insure jewellery that I received as a family heirloom?

Yes, if you have had your earrings appraised by a jewellery expert you should be able to use a specialist insurance firm to insure your jewellery, even if you received it as part of an inheritance.

Of course, many family heirlooms are also antiques, in which case the discussion points above about insuring antique jewellery would also apply.

Will my earrings be covered by my contents insurance?

Possibly, but if they are worth a lot of money they may not be covered in full.

Many standard contents insurance policies will cover personal valuables such as earrings and other items of jewellery, but they often include a cap on how much you can claim for any single item – and a pair of earrings would be classed as one single item.

If you rely on this kind of contents cover and it has a single item cap of £1,000, for example, you may find that you only receive 10% of the value if your £10,000 earrings are ever lost or stolen.

So what’s the best option when it comes to insuring my earrings?

If the value of your earrings is less than the single item limit stipulated in your contents cover then the cover you already have probably is the best option – in that situation your earrings should already be covered so you probably won’t need to pay for additional insurance. It is important to note, though, that no matter what the value you may be asked to prove how much the item was worth if you do come to claim on your insurance, so even if your earrings cost £100 or £200 it would be wise to keep the receipt or other proof of their value.

For high value jewellery that is worth more than the single item limit in your standard contents cover you could either choose to add the earrings to your existing policy as a named item with a declared value, or you could take out a specialist jewellery insurance policy to cover your earrings and other items of jewellery.

So I can insure my whole jewellery collection under one jewellery insurance policy?

People that own one item of high value jewellery will often own more than one; if that’s you, and you have a small-but-perfectly-formed high-end jewellery collection – or a large collection that is continuing to grow – you should be able to find an insurance company willing to provide you with jewellery collection insurance.

What will be covered if I take out earring insurance?

While insurance policies do vary between providers, as a general rule of thumb if you have specialist jewellery insurance your earrings may be covered for some or all of the following:

  • Accidental damage
  • Malicious damage
  • Loss, including the loss of a gem or precious stone from an earring’s setting
  • Theft

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