Jewelry Insurance
GemShield Jewelry Insurance
Personal protection for your most precious pieces.
Your jewelry deserves more than a line item on a homeowner’s policy. GemShield personal jewelry insurance is designed specifically for the unique risks jewelry faces, offering broader, more reliable coverage for the pieces that matter most.
Ask About GemShield In StoreGemShield Jewelry Insurance plans are available in store at Hogan’s Jewelers or by calling us at (989) 732-4444. Plans must be purchased separately and apply to jewelry purchased from Hogan’s Jewelers.
What’s Covered
All-Risk Jewelry Coverage
GemShield is an all-risk policy, meaning it covers everything unless it is expressly excluded. That includes loss, theft, damage, and mysterious disappearance, giving you more complete coverage than a standard homeowner’s or renter’s policy provides.
◎
Engagement Rings
◎
Wedding Rings
◎
Necklaces
◎
Bracelets
◎
Earrings
◎
Watches
Plan Benefits
Why Choose GemShield?
All-Risk Coverage
GemShield covers loss, theft, accidental damage, and mysterious disappearance. Everything is covered unless specifically excluded, giving you complete peace of mind.
Worldwide Protection
Your jewelry is covered wherever you go. GemShield provides worldwide coverage, so your pieces are protected whether you are at home in Gaylord or traveling abroad.
Back to Your Jeweler
Unlike generic insurance policies that send you to unknown vendors, GemShield sends you back to Hogan’s Jewelers, the trusted team who knows your piece.
Protects Your Home Policy
Filing a jewelry claim on your homeowner’s policy can raise your premium. Insuring separately with GemShield protects your home coverage and your insurability.
Repair and Replacement
GemShield provides repair and replacement coverage for damaged or lost pieces, including cracked diamonds, lost stones, and stolen jewelry.
Affordable Premiums
GemShield premiums are typically just one to two percent of your jewelry’s value annually, making comprehensive jewelry insurance accessible for every budget.
Common Questions
GemShield FAQs
GemShield is designed specifically for jewelry and covers risks that homeowner’s and renter’s policies often exclude, including accidental damage, mysterious disappearance, and loss while traveling. It also protects your home policy from premium increases caused by jewelry claims.
GemShield premiums are typically one to two percent of your jewelry’s appraised or purchase value per year. Ask a Hogan’s team member for specific pricing when you purchase your piece.
Yes. GemShield is an all-risk policy that covers loss, theft, accidental damage, and mysterious disappearance. If your ring goes missing and you are unsure what happened, GemShield covers that too.
Yes. GemShield provides worldwide coverage, meaning your jewelry is protected no matter where you are, whether that is at home in Northern Michigan or traveling internationally.
GemShield plans are available in store at Hogan’s Jewelers in Gaylord, MI, or by calling us at (989) 732-4444. Plans are purchased separately from your jewelry and apply to items bought from Hogan’s.
Protect What You Love
Ask a Hogan’s team member about GemShield jewelry insurance when you make your next purchase. Available in store or by phone.