Jewelry insurance that just clicks.

We partner with your retailer to provide exclusive jewelry protection that’s fast, easy, and affordable.

Engaged Couple With Engagement Ring Insurance

No hassle experience.


Zillion reps were extremely responsive. 10/10


Super easy, quick and affordable.

-Kayla C

Great value for quality insurance.


Exclusive benefits for you

We partner with your retailer and do the heavy lifting of insuring jewelry so you don’t have to. No paperwork. No hassle.

One-click instant protection from your phone

Enjoy insurance coverage while you decide on your quote

Savings up to 15%, starting at $2/month (billed annually)*

Fast and easy claims through your jeweler

Zillion Insurance Coverage displayed on a phone

Better coverage for your jewelry

Your ring goes missing. Perhaps you left it at the hotel while you were rushing to catch your flight or it was stolen from your apartment. Or you damaged your engagement ring by snagging a prong on your clothes. Don’t worry, Zillion has you covered.

More comprehensive than most homeowners insurance

Protects beyond warranty and care plans

Wear your jewelry with confidence anywhere in the world

Affordable coverage, typically 1-2% of the jewelry value

Zillion Jewelry Insurance Coverage compared to Homeowner's Insurance Coverage
Zillion vs. Homeowners Insurance

Concierge claims that are fast and easy

We take care of the repair or replacement with your jeweler, always keeping you in the loop. As our customer, you won’t be burdened to prove ownership of your item, verify its value, pay a deductible, or negotiate a cash settlement. You’ve trusted us with insuring your jewelry, and we will guide you every step of the way.

Easy online claims

Whether you’re at home or on the go when catastrophe strikes, we’ve made it easy for you to file a jewelry insurance claim online, from anywhere in the world.

Faster replacement times

Lightning fast response times from Zillion's claim team means your jewelry repair or replacement gets underway in as little as 24 hours after you submit a claim!

Our promise to you

We take this opportunity to exceed your expectations and remind you why you put your trust in Zillion.

Woman with headset on helping with jewelry insurance claims

Wear your jewelry with confidence

“We believe you should have the freedom to wear your jewelry for any occasion, without worry… whether it’s traveling the world, training at the gym, a romantic night out or just hanging at home. With Zillion jewelry insurance, you can wear your jewelry with confidence knowing it’s covered.” – The Zillion Team

Jewelry Insurance FAQs

Warranty and care plans cover defects and ongoing maintenance of your jewelry. Some may even cover damage but you’ll need Zillion jewelry insurance in order to cover loss or theft of your jewelry, including while you travel.
While you can add jewelry to your homeowners/renters policy, it’s always better to insure with a specialty jewelry insurer like Zillion. Filing a jewelry claim with your homeowners/renters policy can put you at risk of an increased premium or cancellation of your full homeowners/renters policy.
Your existing policy deductible would also apply which means you’ll pay more out of pocket. Coverage options may also be limited in not covering things like loss during travel.

We provide a concierge claims experience by taking care of the repair or replacement with your retail jeweler, always keeping you in the loop. As our customer, you won’t be burdened by proving ownership of your item, verifying its value, paying a deductible, or negotiating a cash settlement. We take this opportunity to exceed your expectations and remind you why you put your trust in Zillion. Simply submit your claim online, and we’ll take care of the rest.

We’re confident you’ll love Zillion. However, you may cancel at any time for a pro-rated refund. Receive a full refund if cancelled in the first 30 days.

Our partnership with your original trusted jeweler has its benefits. They know your jewelry item best, and can expedite the process of getting your jewelry back to you, and in great shape. We understand that sometimes it is not possible, or feasible, to work through your original jeweler.

In these cases, we can work with other jewelers, but would need to review the repair or replacement with them prior to approval. You may express your desire to work with a different jeweler, and pass along their contact information when reporting a claim.

At Zillion we understand that your jewelry means more to you than just its value. That’s why we take the approach of replacing or repairing your jewelry back to its original specs with $0 deductible…. Yep, $0, no deductible, simply delivering the same jewelry item back to you in the event of a loss.

Zillion exclusively insures jewelry purchased by customers of our retail & industry partners. Through our embedded insurance platform and integration with partner retailers point of sale and eCommerce systems, we’re able to offer you the easiest jewelry insurance experience in the industry, and at lower rates.

We get what we need directly from the jeweler without forcing you to fill out pages and pages of unnecessary forms. No hassle. No boring stuff.

Embedded insurance is any insurance that can be obtained along with the purchase of a good or service at point of sale. The best embedded insurance options are fully integrated and eliminate the hassle of filling out applications or forms. At Zillion, we’re proud of our embedded insurance platform and how we’ve made the insurance buying experience instant and effortless for our retailer partners and their customers.

*Some customers could see a savings of up to 15% for certain jewelry purchases. Enrollment, terms and conditions apply. Savings shown are based on Zillion’s rate comparable to other personal jewelry insurance policies nationwide. Savings descriptions, percentages, availability and eligibility may vary, and savings are not offered in all states including California, Florida, Georgia, Ohio, Oklahoma, Pennsylvania, South Carolina, Virginia and Washington.

*Policies issued by XL Specialty Insurance Co. 505 Eagleview Blvd., Suite 100 Exton, PA 19341-1120

Zillion partners with jewelers to offer their customers lower rates on jewelry insurance. If you don’t see your jeweler on our list, we’re sorry, we won’t be able to offer you a quote for insurance. If you purchased from a Preferred Jewelers International retailer please email us at and let us know the name of the retailer. Thank you.