Civil authority, like if your jewelry is confiscated during a search by law enforcement
Deterioration or inherent vice, like a manufacturer's defect
Intentional acts, like purposely damaging or losing your jewelry
Nuclear hazard, like a fire resulting from a nuclear reaction
Vermin, rodents, or insects, like an infestation affecting heirlooms in the attic
Voluntary parting, like selling your covered jewelry and having the check bounce
War and military action, basically any warlike action
Wear and tear, like typical gradual deterioration*
Resizing, cleaning and inspection
*Preventative repairs may be covered. Examples include prong re-tipping; broken, worn, or bent prongs; broken earring posts; clasp replacement; restringing of broken or stretched pearl strands; and stone tightening. See your policy or call us at 888-884-2424 if you have questions about your coverage.