Lost, theft, damage and mysterious disappearance are the four most common perils.
Maybe you left your ring on the table where you changed your babies diaper or you took it off to before you went in the shower and now you can’t find it. These types of situations are covered under loss.
If your jewelry is stolen, that’s covered, too.
Hitting your diamond on the edge of a table and cracking it is very common . Some preventive repairs, like loose gemstones or damaged prongs, are all covered.
Don’t know exactly how or when, that’s still covered.