3 Real-Life Jewelry Insurance Claims We’ve Seen at Zillion

Even the most cautious person might find themselves in a bad situation, wishing they’d bought an insurance policy for their wedding ring.

We have a… complicated relationship with jewelry insurance claims. On one hand, we love the opportunity to help people. On the other hand, an incoming claim means someone has had something bad happen to their jewelry—often their engagement or wedding ring. At Zillion, we take our responsibility to our jewelry insurance policyholders seriously. Our goal is to make your insurance claim process as easy and stress-free as possible during an already stressful situation.

If you’re looking to buy jewelry in the near future, you might think that a jewelry insurance policy isn’t worth the money. Maybe you think jewelry theft is something that happens to other people, or that you’re so careful that you couldn’t possibly lose something as precious as your diamond engagement ring. In a perfect world, people wouldn’t need our jewelry insurance policies. But we don’t live in a perfect world, and even the most cautious person might find themselves in a bad situation, wishing they’d bought an insurance policy for their wedding ring. Situations where jewelry is lost, damaged, or stolen happen more than you’d think. Take a look at 3 real-life jewelry insurance claims we’ve seen at Zillion.


Lost During Daily Errands

“I was wearing my engagement ring in the morning when I went to pick up my best friend. We chatted, and then I dropped her off at her apartment. On the way home, I was wearing the ring in my car. I then went out and ran a few errands before picking up food for dinner. . . I remember that I didn’t have the ring on during the food pick up because the woman who handed me the food order commented on my nails. As I glanced down, I noticed the ring wasn’t on my finger. The errand was so quick, I didn’t think anything of the ring absence at the time and assumed it was back home in my jewelry box. The next day as I was getting ready for work I opened my jewelry box… and my ring wasn’t there. When I didn’t see it there, my heart hit my stomach. I’ve searched everywhere:my home, my car; I even retraced my steps from the day before. I cannot find my ring anywhere. I’m devastated.”

Bridge Over Troubled Water

“While walking over a bridge one day, my wife’s ring slipped off her finger and fell right into the

River. At 6 A.M. the next day, we went down to the river to see if the ring was washed ashore with waves. We looked up and down the river bank searching through muddy water, but we never found it. We’re still shocked and speechless. I spent months researching diamonds and choosing the ring; it was the most precious item in our household.”

Stolen on Vacation

“We were on vacation in London when my wife’s ring was stolen out of our hotel room while we were out exploring the city all day. We were tired from a full day and went straight to bed and didn’t notice it was missing until the following morning as we were packing and getting ready to check out. The hotel didn’t have a safe, and my wife left the ring in the nightstand. When we discovered it was missing, we immediately went to the front desk and then to the police station. We checked out of the hotel but hung around town waiting for good news, but the police officer said he went to the hotel and the ring didn’t turn up.”


These three situations could happen to anyone—yep, even you! The truth of the matter is that jewelry is lost, damaged, and stolen every day. You can’t always control situations like that, but you can control what happens afterward. Losing a precious engagement ring, wedding ring, or other piece of jewelry is tough enough. Protecting your jewelry with an insurance plan can take some of the sting out of a heartbreaking situation.

At Zillion, we offer stand alone jewelry insurance policies that cover you completely. Our insurance plans protect your investments, offering the value replacement of your item whether it’s lost, damaged, stolen, or affected by a natural disaster. One of the best parts about a Zillion insurance policy is that it’s portable: so no matter where you go, your jewelry is protected. An insurance policy from Zillion offers you peace of mind for your jewelry, so you can do more than just wear it—you can wear it with confidence!

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