Marysol Castro and Tracy Chevrier
The holidays are all about giving—and for many, that means jewelry. Whether it’s a sparkling surprise under the tree or a ring for that perfect holiday proposal, these pieces carry deep emotional meaning and real financial value.
This season on New York Living, finance expert Haley Sacks, founder of Mrs. Dow Jones, joined us to break down why protecting your jewelry is one of the smartest ways to safeguard both the memories and the investment behind every piece.
Why Jewelry Is Such a Meaningful Holiday Gift
Jewelry has always been more than an accessory. According to Jewelers Mutual’s Jewelry Box Survey, many people see their jewelry as pieces to collect, cherish, and eventually pass down. These gifts become lasting symbols of love, milestones, and family stories — which is why keeping them protected is so important.
Planning a Holiday Proposal? Here’s What to Know
Engagement season is in full swing, and Haley shared one major item couples should add to their planning checklist: proper jewelry protection.
A new study from Jewelers Mutual found that an engagement ring is often among the most valuable items a person owns. Losing it—whether during holiday travel, wedding planning, or the honeymoon—can be emotionally and financially devastating. Dedicated jewelry insurance can help provide confidence and peace of mind, often costing less than a cup of coffee per month.
What Is Dedicated Jewelry Insurance?
While homeowners or renters insurance may offer some coverage, it often comes with low limits, high deductibles, and the risk of premium increases if you file a claim.
Dedicated jewelry insurance, on the other hand, is designed specifically for sentimental and high-value pieces. It keeps your home policy untouched and provides coverage tailored to the jewelry you love most.
When Should You Get Jewelry Insurance?
Haley’s advice: don’t wait. Whether you’ve just been gifted something special or are planning a proposal, now is the perfect time to explore coverage options. A Jewelers Mutual policy protects your jewelry wherever you go—through the holidays and into the New Year.
How to Keep Your Jewelry Protected Long-Term
Regular appraisals are key. Haley recommends checking in every 2–3 years. With gold and silver prices on the rise, updating your appraisal helps ensure your coverage stays accurate and your piece is insured at its current value.
Learn More
To explore coverage options or get a free quote, visit JewelersMutual.com.
Your jewelry represents life’s most meaningful moments—make sure it’s protected for all the memories still to come.
Sponsor: Jewelers Mutual
Sponsored content disclaimer: The information and advice displayed in this story are those of individual sponsors and guests and not Nexstar Media Group
Alice J. Roden started working for Trending Insurance News at the end of 2021. Alice grew up in Salt Lake City, UT. A writer with a vast insurance industry background Alice has help with several of the biggest insurance companies. Before joining Trending Insurance News, Alice briefly worked as a freelance journalist for several radio stations. She covers home, renters and other property insurance stories.