How does Zillion protect beyond care & warranty plans?

Warranty and care plans cover defects and ongoing maintenance of your jewelry. Some may even cover damage but you’ll need Zillion in order to cover loss or theft of your jewelry, including while you travel.

Why is Jewelry Insurance better coverage than a homeowners/renters policy?

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.

What happens if I have a jewelry Insurance claim?

We provide a concierge claims experience by taking care of the repair or replacement with your retail jeweler – keeping you in the loop.

What is the Zillion satisfaction guarantee?

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.

Does Zillion use my original jeweler for a repair or replacement?

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.

What is jewelry replacement insurance & why does it matter?

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.

What is embedded insurance?

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.

Exclusive watch insurance.

Q: How is Zillion Jewelry Insurance different from other jewelry insurers?

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.

Best-in-class watch insurance for leading brands - seamlessly built  into the client experience and offered only through our retail partners.

Retailer

Zillion named top watch insurance by Professional Watches. Read

“Exceptional client experiences are at the heart of everything we do. Zillion’s innovative product and white glove service aligns with our commitment to providing best in class services to our clients – extending our relationship far beyond the sale.”

– Lorcan McCabe
Regional Director of Watches of Switzerland

Personalized benefits for you and your collection.

Luxury watch insurance for the finest names in watchmaking including Rolex, Omega, Breitling, Cartier and more.

Instant peace of mind in just a click

10 days of temporary protection with a quote

Exclusive savings with lower rates

Concierge service and claims

Worldwide protection from loss, theft, and accidental damage.

Coverage built for every detail in your watch

Concierge claims when you need it most

Affordable, typically 1-2% of the watch value

Better coverage than most homeowners insurance

Peace of mind with Zillion!
“When I purchased my Rolex I was pleasantly surprised to know that it was temporarily protected for 10 days by Zillion Insurance. The process to continue the coverage was easy and online. The price was reasonable and the coverage is also extremely good. I’m hoping I don’t need it, but it’s wonderful peace of mind!”

– Jim
Watches of Switzerland Customer

Watch Insurance FAQs

Should I insure my watch on my homeowners policy?

Insuring your watch on your homeowners policy is certainly an option. However, if you have a claim it could adversely impact your homeowners policy with an increase in your rate or even cancellation. That’s why it’s always good to insure your watch with a specialty insurer like Zillion.

What’s the cost of luxury watch insurance?

Watch insurance typically costs 1% to 2% of the watch value annually. So a $5,000 luxury watch would cost somewhere between $50 and $100. At Zillion, our coverage comes with a $0 deductible, so you’ll pay zero out of pocket in the event of a claim.

What does watch insurance cover?

Zillion offers comprehensive watch insurance that protects you from theft, loss, accidental damage, mysterious disappearance, and natural disasters. Coverage is worldwide so you can wear your watch with peace of mind as you travel.

How are watch claims handled?

Watch claims at Zillion are handled by our Concierge Claims team. We’ll handle your claim with empathy and understanding and will coordinate with your original watch retailer on your repair or replacement. In the event that working through your original retailer is not feasible, we’ll work with you to coordinate the claim with another retailer. We’ll just need to review with your new retailer prior to approval. Claims can be reported on the Zillion claims page.

How is Zillion different from other watch insurers?

Zillion exclusively insures watches and 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 and watch insurance experience in the industry, and at lower rates.

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

*Some customers could see a savings of up to 15% for certain jewelry & watch purchases. Enrollment, terms and conditions apply. Savings shown are based on Zillion’s rate comparable to other personal jewelry & watch 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.

*Zillion may issue an insurance binder for temporary insurance, and the insurance binder will cancel back to its effective date if payment is not received before the insurance binder expires. Insurance is not free. If a loss were to occur during this insurance binder period, you’d be able to file a claim (a nice benefit), but would be required to pay the annual premium before the insurance binder expires. Offer subject to eligibility and underwriting guidelines.

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

*Questions regarding this insurance program should be directed to Zillion Insurance Services. For more information visit myzillion.com/disclosures.