Jewellery Insurance in Canada: Do You Need It and How It Actually Works
If you have a piece of jewellery worth more than $3,000 and it isn't insured, you're not unusual — about half of the engagement rings we appraise have never been on a policy. Most people assume their home or tenant's insurance covers jewellery. It does, sort of, but with caps and exclusions that surprise people the day they actually need to make a claim. Here's how jewellery insurance works in Canada in 2026, what the appraisal actually does for you, and when it makes sense to skip insurance entirely. The default coverage you probably already have Standard Canadian home and...
