Jewelry Insurance FAQ's

Zillion’s mission is to make it super easy for you to protect the things you love. We’ve reinvented jewelry insurance with an experienced team and amazing technology, taking pride in delivering a first-class experience to our customers. Our jewelry insurance customers are backed by AXA XL, one of the world’s largest insurance companies and rated A+ Superior by A.M. Best. Visit our about us page to learn more.

Zillion’s primary focus is on insurance for 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.

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 insurance covers just about every bad thing that could happen to your jewelry. Some of the most common examples are Theft, Loss, Damage, Mysterious Disappearance and Acts of God such as fires, floods, tornadoes, and hurricanes. There are a few exclusions you should be aware of, including War/Military/Government Action, Nuclear Hazard, and Wear & Tear. For more information about jewelry insurance and our coverage, visit our home page or reach out to us via our help page or

Absolutely! Zillion specializes in insuring jewelry of all shapes, sizes, and values. We understand that the sentimental value of jewelry, like your engagement ring, is often greater than the financial value. While you may not be able to get your original engagement ring back, our unique jewelry replacement insurance will ensure you’ll get a replacement that matches your original jewelry specs.

Zillion has some of the best jewelry insurance rates in the industry. We specialize in jewelry insurance, and better manage risk and control costs through the use of our technology. These savings are passed onto our customers in the form of better rates. You’ll benefit from our modern delivery, exceptional coverage and low costs, all while having full control and flexibility with your policy. Cancel anytime – receive a full refund in the first 30 days (pro-rated thereafter).

A renters or homeowners policy typically provides limited coverage for jewelry unless you pay for a Jewelry Floater. For instance, theft of your engagement ring may only be covered up to $1,500. The most common cause of jewelry loss is called “Mysterious Disappearance,” which is insurance-speak for “OMG, I think I left my wedding ring at the hotel, or I was playing on the beach and my engagement ring just vanished.” Whether you pay for a Jewelry Floater, or not, this jewelry loss may not be covered by your homeowners or renters policy. If this happens to you, you’ll be glad you have jewelry insurance through Zillion. For more details, see our blog post on this topic.

A jewelry service plan is a great way to maintain and service your jewelry. With regular visits to your jeweler to care for your items, you can ensure that they’ll stay in great shape. However, if you miss a checkup and your jewelry is damaged, or if your diamond engagement ring goes missing, altogether, your jewelry service plan or warranty won’t help you. Zillion will, though, with full jewelry replacement. For more details, see our blog post on this topic.

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.

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.