Jewelry Insurance Guide — Hari Krishna Jewels
Protect Your Jewelry Beyond Warranty
Last Updated: 2025
At Hari Krishna Jewels, we know your jewelry holds financial and emotional value. While our Lifetime Manufacturing Warranty protects you from craftsmanship defects, it does NOT protect against loss, theft, or accidental damage.
For full protection, we strongly recommend purchasing independent jewelry insurance.
Important Notice
Hari Krushna Jewels does NOT provide any type of insurance.
We do not sell insurance, issue insurance policies, or handle insurance claims.
However, customers may purchase insurance from trusted third-party providers.
We only help you with necessary documents like:
Invoice
Diamond Certificate (IGI/GIA)
Photos
Valuation letter (if needed)
1. What Is Jewelry Insurance?
Jewelry insurance protects your jewelry from unexpected events such as:
Loss
Theft
Accidental damage
Stone falling out
Travel loss
Fire or natural disasters
This protection is not included in warranty.
2. Why Insurance Is Important
Warranty covers manufacturing defects only.
Insurance covers everything else.
Warranty does NOT cover:
Losing your ring
Diamond falling out due to impact
Jewelry stolen while traveling
Damage from dropping or hitting
Disasters (fire, flood, etc.)
Insurance fills this gap and gives complete protection.
3. What Insurance Covers
Most jewelry insurance policies include:
Loss of jewelry
Anywhere — home, hotel, car, airport, travel bag, etc.
Theft or burglary
Full reimbursement or replacement.
Accidental damage
Broken prongs, bent rings, cracked diamonds, chain breakage.
Stone loss
Diamond falling out due to impact or wear.
Worldwide travel coverage
Covers travel loss internationally.
Disaster coverage
Fire, flood, natural calamities.
4. What Insurance Does NOT Cover
Insurance usually excludes:
Intentional damage
Fraudulent or fake claims
Normal scratches from wearing
Loss with no proof
Misplaced items without explanation
5. Recommended Jewelry Insurance Providers
Hari Krushna Jewels does not provide insurance, but customers can buy it from these reputable companies: