We believe your diamond should be protected for life—not just the moment. At Hannah Florman, we design heirloom-quality pieces meant to last generations—but life happens. Whether it’s a misplaced engagement ring, a necklace damaged during travel, or a bracelet that never made it home from dinner, the truth is: even the most cherished pieces are vulnerable. That’s why we always recommend insuring your fine jewelry.
Your engagement ring isn’t just a piece of jewelry—it’s a symbol, a memory, a milestone. And while we never want to think about losing or damaging it, insuring your piece offers priceless peace of mind. It ensures that if the unexpected happens, you're covered—emotionally and financially.
Accidents, theft, or damage are unpredictable. But being prepared? That’s empowering.
So, what exactly can you insure?
Whether you have a single piece or a growing collection, we believe every item you love should be protected.
At Hannah Florman, we provide our clients with a detailed jewelry appraisal for every custom piece. From there, we typically recommend insuring your jewelry either through your homeowners' insurance or through Chubb Insurance, a trusted provider offering specialized coverage for fine jewelry and high-value personal items.
Before insuring your jewelry, you'll need a written appraisal. This is a document that establishes the retail replacement value of your piece—what it would cost to recreate it today using comparable materials and craftsmanship.
Each Hannah Florman appraisal includes:
Pro tip: This document is essential when submitting a claim, and should be shared with your insurance provider as soon as coverage begins.
Jewelry values can shift over time due to changes in market pricing for diamonds, gold, and labor. To ensure your coverage remains accurate, we recommend updating your appraisal every two years.
We’re always happy to assist with updated appraisals if your piece was made with us—or connect you with a certified gemologist if needed.
While many clients insure their jewelry through existing homeowners or renters policies, we also recommend looking into Chubb Insurance, known for its exceptional service and tailored policies for fine jewelry. Whether you’re insuring a single piece or your full collection, Chubb offers:
We have a dedicated agent we trust and refer clients to directly—someone who understands the value of your Hannah Florman piece and will walk you through every step.
Your jewelry isn’t just beautiful—it’s meaningful. From custom engagement rings to anniversary bracelets, these pieces are part of your story. Protecting them is part of ours.
If you’re ready to insure your Hannah Florman piece or want a personal referral to our Chubb Insurance partner, reach out to us directly. We’ll make the process seamless, personalized, and worry-free.
Because peace of mind is the most luxurious layer of all.
Inquire about custom fine jewelry
