Q Report Team
Updated on July 14, 2026
Switching From Home and Contents to Jewellery Insurance
When insuring your jewellery, home and contents or homeowners insurance may .
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With all the excitement of finding that perfect stone and proposing to that special someone, insuring your ring can be the last thing on your mind. Your jeweller might suggest arranging cover for your investment before you leave the store.
If you already have a home and contents policy, it is worth checking your product disclosure statement (PDS), as terms vary by insurer. This article focuses on what specialist jewellery insurance provides.
Below, we look at how to insure your jewellery and the benefits of specialised jewellery insurance.
Do You Need Specialist Jewellery Insurance?
Specialist jewellery insurance is purpose-built for jewellery. It insures each piece up to the sum insured shown on your policy, subject to policy terms and exclusions, whether or not you have specified individual pieces.
If you currently have a home and contents policy, it is worth checking your product disclosure statement, as terms vary by insurer. The last thing you want when losing or damaging your jewellery is uncertainty, which is why specialist cover is written specifically for jewellery.
How Specialist Jewellery Insurance Covers Your Pieces
With a specialist Q Report jewellery policy, you can expect cover that:
- Applies both inside and outside the home, subject to policy terms and exclusions
- Gives you the option to return to your chosen jeweller to repair or replace an insured piece
- Insures each specified piece up to the sum insured shown on your policy
A Q Report policy is a replacement policy. In the event of an approved claim, we arrange the repair or replacement of your jewellery like-for-like, up to the sum insured shown on your policy, rather than a cash payout. For example, if a ring is insured for $10,000, we work to restore it to the same standard, subject to policy terms and exclusions.
This means you know how your jewellery will be handled at claim time: repaired or replaced like-for-like up to the sum insured, subject to policy terms and exclusions.
Hear insurance expert and Q Report founder Rami Baron discuss the difference between specified and unspecified jewellery in more detail below:
Cover for Jewellery While Travelling
Specialist jewellery insurance can also cover you while you travel. A Q Report policy provides worldwide cover against damage, theft and loss for 12 months, subject to policy terms and exclusions, so you can take your jewellery with you with confidence.
Because it is a replacement policy, your jewellery is covered for repair or replacement up to the sum insured shown on your policy, whether you are at home or overseas.
Benefits of Specialised Jewellery Insurance
If you've invested significant time, money and emotion into your jewellery purchase, it makes sense to insure that investment with specialised jewellery insurance. Policies like ours are designed to provide cover both inside and outside the home, subject to the policy's terms, conditions and exclusions, and are written by people passionate about jewellery.
This video explains the benefits of specialised jewellery insurance:
So when it comes to covering your jewellery, whether it's an engagement ring, family heirloom or valuable timepiece, specialist jewellery insurance is purpose-built for the job. If you already have a home and contents policy, check its PDS, as terms vary by insurer.
To see how little it can cost to give your jewellery the level of cover it deserves, get an instant jewellery insurance quote with Q Report today.
Purchase Amount
To get an accurate insurance quote, please provide the amount from your purchase receipt.
Don't have the receipt?
If you don't have the receipt, you can provide the most recent valuation amount instead.
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