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Jewellery insurance

When you have something precious, you want to know it’s protected. Discover how to insure your jewellery with Home Contents Insurance or Single Item Insurance.

What kind of items can jewellery insurance cover?

Whether it's a sentimental brooch from a bygone era, a sparkling diamond ring, or the new crystal quartz watch you scored for graduation, you deserve to wear your treasured pieces with peace of mind.

Have something different you need to insure? Here are the types of jewellery we typically cover:
 

  • rings
  • necklaces
  • bracelets
  • brooches
  • traditional watches
  • medals
  • and more.

Understanding your insurance options

While we don’t have a standalone jewellery insurance product, there are still options available to help you protect valuable and sentimental pieces, such as Home Contents Insurance and Single Item Insurance. Here’s how they work:

Home Contents Insurance

Our Home Contents Insurance policy helps cover the things you keep inside of your home against insured events like theft, fire or storm damage.

With this policy, jewellery and watches can be covered up to $2,500 for loss or damage that occurs at home. If your jewellery is worth more than that, there are options to increase the cover amount.

For full details including limits, conditions and exclusions, read the Product Disclosure Statement (PDS).

Portable Contents cover (optional add on)

If you want your jewellery covered while you’re out and about, you can enhance your home contents policy with portable contents cover. With this option, you’ll have protection anywhere in the world.

This option is available for both our Contents Plus and Contents Standard policies. The most we’ll pay for an individual item is $10,000.

Single Item Insurance

Only want to insure one valuable item? Consider Single Item Insurance. With this policy, you can insure an individual item for its full replacement value.

This policy is separate from any home or contents insurance policies you may already have with us, but like those policies, it can offer protection against listed events that occur within your home, including: theft, fire, flood and extreme weather events.

For extra cover outside the home, you can add on protection for theft and additional damage within Australia.

For all the inclusions and exclusions relating to Single Item Insurance, see the Product Disclosure Statement (PDS).

Understanding your insurance options

While we don’t have a standalone jewellery insurance product, there are still options available to help you protect valuable and sentimental pieces, such as Home Contents Insurance and Single Item Insurance. Here’s how they work:

Home Contents Insurance

Our Home Contents Insurance policy helps cover the things you keep inside of your home against insured events like theft, fire or storm damage.

With this policy, jewellery and watches can be covered up to $2,500 for loss or damage that occurs at home. If your jewellery is worth more than that, there are options to increase the cover amount.

For full details including limits, conditions and exclusions, read the Product Disclosure Statement (PDS).

Portable Contents cover (optional add on)

If you want your jewellery covered while you’re out and about, you can enhance your home contents policy with portable contents cover. With this option, you’ll have protection anywhere in the world.

This option is available for both our Contents Plus and Contents Standard policies. The most we’ll pay for an individual item is $10,000.

Single Item Insurance

Only want to insure one valuable item? Consider Single Item Insurance. With this policy, you can insure an individual item for its full replacement value.

This policy is separate from any home or contents insurance policies you may already have with us, but like those policies, it can offer protection against listed events that occur within your home, including: theft, fire, flood and extreme weather events.

For extra cover outside the home, you can add on protection for theft and additional damage within Australia.

For all the inclusions and exclusions relating to Single Item Insurance, see the Product Disclosure Statement (PDS).

Why choose NRMA Insurance for your jewellery? 

Cover what matters most

Choose between Single Item Insurance for individual pieces or Home Contents Insurance for a collection of items

Cover while you're out and about

Options to keep your jewellery covered whether you’re at home or abroad

100 years of help

With a century of experience, we know how to protect the things you care about

FAQs

Jewellery Insurance FAQs

Can I insure just an engagement ring?

Yes. Our Single Item Insurance policy allows you to insure an individual piece of jewellery for its true value.

Can I update my jewellery insurance policy if I acquire new pieces?

Yes. You can add new jewellery items to your policy.

  • For help adjusting your Home Contents Insurance policy, you can call us. 
  • For Single Item Insurance jewellery additions, complete the contact form.

Can I insure heirloom or antique jewellery?

Yes. We offer a range of cover options for heirloom and antique jewellery. Consider an NRMA Insurance Home Contents policy or Single Item insurance.

Protect your belongings with NRMA Home Insurance

Want to cover your favourite possessions, like your wedding ring, laptop, or TV? Insurance4That lets you choose what to insure and how much to insure it for.

We offer cover for items in your home, even if you accidentally leave a window or door unlocked.

Protect your home inside and out with combined Buildings and Contents Insurance. Your buildings and items will be covered for a range of incidents.

Things you should know

  1. We don’t cover actions of the sea, such as tides and waves. Check the PDS for a full list of exclusions. For insured properties in NSW, ACT or Tasmania, if we give you the option to remove cover for flood, rainwater run-off and storm surge from your Contents Insurance and you choose to do so, you won’t be covered for loss or damage to your contents caused by flood, rainwater run-off or storm surge.

  2. Storm means violent wind, cyclone, tornado, thunderstorm, hail, rain, snow or dust – but not persistent rain only. We don’t cover damage from storm surge which is an abnormal increase in sea level caused by a cyclone or severe storm.

  3. We don’t cover damage caused by water leaking or escaping from a shower recess or shower base. We don’t cover loss from erosion or other earth movements. We don’t cover the costs to repair or replace the item that the liquid leaked or escaped from.

  4. Portable items are covered for loss, theft and accidental damage. We cover up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. We don’t cover scratches and dents or items being cleaned or repaired. We don’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. We don’t cover bicycles while they’re being used in a competitive race or time trial. A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

Single Item Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as NRMA Insurance. When making decisions about a product, always read the Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from https://insurance4that.com.au/.