Your Jewelry Has Been Through a Lot With You. It Deserves a Safety Net.

Let's Talk About the Elephant in the Jewelry Box

You've got pieces you love. The ring that made you cry (happy tears). The watch your dad wore on his best days. The necklace you bought yourself because you earned it.

And right now, they're either sitting uninsured on your nightstand or buried somewhere inside your homeowners policy where "coverage" is a generous word.

That's not protection. That's a false sense of security with fine print.

You shouldn't have to choose between wearing your favorite pieces and worrying about them.

I'm Lenny. Protecting Your Jewelry Is About More Than the Jewelry.

I'm Lenny Burton, CLU. I'm an independent agent, which means I work for you, not for a carrier. My job is to look at your whole picture and spot the risks before they become problems.

Here's one I see all the time: someone has beautiful jewelry sitting on their homeowners policy, and they have no idea that filing a claim on it could raise their home premium or even cost them their policy. That's not a risk worth taking with the coverage that protects your entire home.

So I do something about it. I move that risk where it belongs, onto a standalone jewelry policy built for exactly this. For my clients' jewelry, I use BriteCo, and here's why I trust it:

• It's all-risk coverage designed specifically for fine jewelry and watches, not a one-size-fits-all add-on.
• BriteCo doesn't report jewelry claims to the CLUE or A-PLUS loss-history databases (more on what that means below).
• It's backed by an AM Best A+ rated carrier, so the financial strength is there when you need it.

You shouldn't have to lose sleep over the jewelry you love. I make sure you've got the right coverage in the right place, so a lost ring stays a small problem instead of a big one.

BriteCo earned my recommendation for a reason. It was founded by a third-generation retail jeweler and GIA Graduate Gemologist who got tired of watching people overpay for underwhelming coverage, and it's been recognized across the board: #1 Best Overall Jewelry Insurance by NerdWallet, Best for Replacement Value with a perfect 5-star rating by Forbes, and among the Best of 2025 by CNBC Select. Policies are underwritten by Glencar Insurance Company, an AM Best A+ rated carrier backed by global reinsurer Hannover Re, and licensed in all 50 states and Washington, D.C.

Why work with me:

• Independent agent, not captive. I shop for what's right for you.
• CLU (Chartered Life Underwriter), advanced training in holistic risk management and financial planning, so you get advice on the whole picture, not just a single policy.
• Available by text, email, or a scheduled call. Your call.

Three Steps. Zero Headaches. One Happy Jewelry Collection.

This Is What Better Coverage at a Better Price Actually Looks Like

• $0 deductibles on most policies. File a claim, get your piece repaired or replaced, keep your wallet in your pocket. (Agreed Value Policies may have a deductible. See your policy contract for details.)
• Worldwide coverage, 365 days a year. Your ring is protected in Paris, Poughkeepsie, and everywhere in between. No territorial restrictions.
• All-risk protection. Loss, theft, damage, and mysterious disappearance. Yes, "it just vanished" is a covered event.
• Coverage up to 125% of your appraised value. Because replacement costs don't always match your original appraisal, especially when gem and metal prices fluctuate.
• Automated annual value updates. BriteCo adjusts your coverage based on current market prices so you don't have to chase down a new appraisal every year.
• Preventative maintenance coverage. Prong retipping, broken or worn prongs, broken earring posts, clasp replacement, pearl strand restringing, and stone tightening. Because a loose prong today is a missing diamond tomorrow.
• Convenient monthly payments. Premiums typically run 0.5% to 1.5% of your jewelry's appraised value per year. For many customers, that's less than $5/month for an engagement ring.
• Add a partner or fiance at no extra charge. Because love shouldn't come with a surcharge.
• No claims reporting to CLUE or A-PLUS. BriteCo is the only specialty jewelry insurance provider that specifically does not report claims to these loss-history databases. That means a jewelry claim through BriteCo stays with BriteCo.

Your Homeowners Policy Is for the Big Stuff. Keep It That Way.

Your homeowners policy is there for hurricanes, tornadoes, fires, the things that really matter. That's what it's built for, and that's where you want it working for you when you need it most.

Here's the not-so-secret secret: a jewelry claim on your homeowners policy can put all of that at risk. Why let a missing ring complicate your coverage for the things that protect your entire home?

Moving your jewelry to its own standalone policy keeps your homeowners record clean and gives your jewelry the kind of specialized coverage it actually needs. Here's what that looks like:

*Zero deductible applies to standard BriteCo policies. Not applicable for agreed value policies.

**BriteCo does not report jewelry claims to CLUE or A-PLUS loss-history databases. A claim through your BriteCo policy stays with BriteCo and will not affect your homeowners insurance premiums, eligibility, or future underwriting. Claims filed on a homeowners rider or floater are typically reported to these databases by the homeowners insurer, which could potentially impact your homeowners premiums or renewal status. BriteCo cannot guarantee the specific practices of any individual homeowners insurance company. Consult your homeowners insurer directly to understand how they handle claims reporting.

The bottom line: Filing a jewelry claim on your homeowners policy can follow you around for up to seven years in those databases. With BriteCo, your jewelry claim is just a jewelry claim. It doesn't touch your home insurance record.

Don't Take Our Word for It. Take Theirs.