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(And why we trust them with our own bling)
When you love jewelry as much as we do, protecting it isn’t optional, it’s essential. After an in‑depth review of today’s specialty jewelry insurers, PriceScope is thrilled to recommend BriteCo for all your needs. Below you’ll find a quick introduction to the company, the coverage details that impressed us, and the proof points that make BriteCo a category leader.
Meet BriteCo: Tech‑Forward, Jeweler‑Founded
Founder of BriteCo Dustin Lemick
BriteCo is a US‑based tech-driven specialty insurance provider founded in 2017 by third‑generation retail jeweler Dustin Lemick, G.G. The company’s mission? Fix everything that’s broken about traditional jewelry insurance—slow quotes, fuzzy pricing, high deductibles, and unclear claims—and replace it with a process that is fast, fully digital, and transparent from quote to claim. Today, BriteCo delivers coverage through:
- Direct online purchase where you can get insured in under a minute
- Point-of-sale at more than 3,500 independent retail jewelers
- Brokered through 5,000+ independent insurance agents nationwide
- Select online jewelry retailers
That kind of reach means you can get secure coverage wherever, whenever, and however you choose.
What Does BriteCo Cover?
- Engagement and wedding rings (solitaire, halo, vintage, you name it)
- Earrings (studs, hoops, drops, and everything in between)
- Pendants and Necklaces (including one‑of‑a‑kind designer pieces)
- Bracelets (tennis, bangles, charm, cuff)
- Fashion rings and Right‑Hand Rings
- Luxury Watches (from Rolex to Breitling to Patek Philippe)
From heirloom pieces to modern luxury watches, BriteCo’s standalone policies are purpose‑built for virtually every high‑value item in your jewelry box.
Key Reasons We Trust BriteCo with Our Diamonds (and Yours)
125 % replacement value | As market prices rise, your coverage rises with them. |
Zero deductibles | A claim will not cost you out-of-pocket expenses. |
24/7 protection worldwide | Travel without worrying about theft, loss, or mysterious disappearance. |
Preventative maintenance | Prong re‑tipping and clasp repair are covered, helping avoid bigger issues. |
Standalone policy | Making a jewelry claim never impacts your homeowners or renters insurance. |
Plans from ≈ $5/month | Monthly or discounted annual payments fit in with many budgets. |
Add in a fully digital application, and most members get a locked‑in quote in 60 seconds and full policy documents in a few minutes using yur mobile or desktop (PC)
Why Claims Are a Breeze with BriteCo
- File online in minutes. A short digital form kicks things off — no faxing PDFs or snail‑mail signatures.
- Dedicated claims concierge. You’re paired with a BriteCo claims rep who guides you from incident report to repair or replacement.
- Choose your jeweler. BriteCo works with the jeweler of your choice to make sure you’re happy with the repair or replacement of your item.
- Zero deductibles, no surprises. You’ll never have to pay extra out-of-pocket when making a claim.
- 125 % replacement buffer. If gold or diamond prices spike, the policy flexes to keep you covered at full value.
BriteCo reviews consistently praise the quick turnaround and the peace of mind that comes from dealing with jewelry industry specialists rather than a generic homeowners carrier. See how BriteCo’s Claims team helps customers.
Third‑Party Accolades & Financial Strength
BriteCo isn’t just waving its own flag — respected outlets are doing it for them:
- #1 Best Overall Jewelry Insurance – Benzinga, 2025
- “Best Jewelry Insurance for Replacement Value” – Forbes, 2024‑25 (5‑star rating)
- Top picks by CNBC Select, Brides.com, Fortune, and Investopedia
Policies are underwritten by Glencar Insurance Company (AM Best A+) with reinsurance from Hannover Re — the kind of backing and financial strength that every consumer deserves.
How to Get Covered (It’s Seriously Simple)
- Head to the BriteCo Quote Tool.
- Enter a few basics: item type, metal, gemstone, zip code, and appraised value.
- Review your custom quote — full coverage starts as low as $5 a month.
- Purchase instantly online.
A Quick Note on Wedding Insurance
Although jewelry is our first love, many PriceScope readers are planning weddings. BriteCo’s wedding & event insurance brings the same zero deductible mindset to liability and cancellation coverage — plus unique add‑ons like Cancel for Any Reason and built‑in COVID protection. If your big day is on the horizon, keep BriteCo on your short list.
Bottom Line
PriceScope has vetted the fine print, spoken to jewelers, and read the reviews: BriteCo delivers the most comprehensive mix of coverage, convenience, and value we’ve seen in standalone jewelry insurance. Whether you’re insuring a brand‑new engagement ring or a vintage watch collection, consider getting BriteCo’s 30‑second quote — you (and your gems) will be better protected with it.
