Jewellery Loss Probability Estimator (2025 Edition)
Estimate the likelihood of loss, theft, or damage to your jewellery based on lifestyle factors, location, security habits, and item value.
Item Details
Owner Lifestyle Factors
Environmental & Location Factors
Used to apply normalized theft-risk weighting
Home Security Level
This estimator calculates the likelihood of jewellery loss, damage, or theft over a 12-month period using crime rate by ZIP, lifestyle wear frequency, travel exposure, storage habits, security measures, and jewellery value. It helps users understand risks before buying insurance or scheduling items.
Mysterious disappearance (most common)
Items lost without clear evidence of theft.
Theft during travel
Airport, hotel, and vacation theft incidents.
Home burglary
Break-ins targeting valuable items.
Accidental loss (e.g., ring slipping off)
Daily wear increases accidental loss risk.
Damage to stone settings
Prongs can loosen over time, causing stones to fall out.
Loss at events, gyms, or restaurants
Public places increase loss risk.
| Statistic | Details |
|---|---|
| High-value jewellery claims | ~6% of high-value jewellery owners file a claim every 5 years |
| Jewellery theft percentage | Jewellery theft accounts for 15% of all home theft claims |
| Most lost item | Engagement rings are the #1 most lost item |
| Mysterious disappearance | Over 50% of losses occur without recorded theft evidence |
Wearing items daily
Increases exposure to accidental loss and damage.
Keeping items in drawers or closets
Less secure than safes or bank vaults.
Taking jewellery on international trips
Travel increases theft and loss risk.
Living in high-crime ZIP codes
Location significantly impacts theft risk.
Owning high-value luxury pieces
Valuable items are targeted by thieves.
Not using a safe or alarm system
Lack of security measures increases vulnerability.
- Store items in a fire-resistant jewellery safe
- Avoid wearing during hotel stays, flights, swimming, and gym activities
- Add scheduled personal property coverage
- Get periodic prong/setting inspections
- Keep receipts and appraisal documents
Q1: What value of jewellery requires special insurance?
Anything above $1,000–$1,500 per item usually exceeds homeowner limits.
Q2: Does homeowner insurance cover mysterious disappearance?
Many policies exclude it, a jewellery rider is often required.
Q3: Should I itemize my jewellery?
Yes, it improves claim payouts and documentation.
Q4: Does my ZIP code really affect my risk?
Yes, burglary rates vary dramatically by region.