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Rated 5 out of 5 stars

I really liked that I didn’t have to deal with paperwork or multiple phone calls. Everything was done online, from uploading documents to reviewing the policy. It felt modern and efficient

Rated 5 out of 5 stars

My jeweler actually flagged this when i picked up a custom piece I had made. She mentioned that a lot of people renters insurance covers jewelry properly and it really doesn't hold up when you look at... See more

Company replied

Rated 5 out of 5 stars

My husband got me a sapphire necklace for our anniversary and I tried not wearing it much to protect it. Started looking into seperate jewelry insurance because our renters policy had a really low... See more

Company replied

Rated 2 out of 5 stars

Briteco makes it very easy to sign up for jewelry insurance (which everyone should have!). If you never have to make a claim, they are great for peace of mind. However their claims department is abysm... See more

Company replied

Company details

  1. Jewelry and Watch Insurance Company

Written by the company

BriteCo is a leading tech-driven provider of jewelry and watch insurance. Created by a third-generation retail jeweler, BriteCo offers best-in-class jewelry and watch insurance, available in all 50 states. Its top-rated insurance is accessible to customers wherever they prefer, directly online, through an independent insurance agent or broker, or at luxury jewelry retail partners around the country. BriteCo policies have $0 deductibles, are backed by an AM Best A+ rated insurer, and provide worldwide coverage. For more information, visit brite.co


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

60 reviews

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1-star

Replied to 75% of negative reviews

Typically replies within 48 hours

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Rated 1 out of 5 stars

RUN!!!

RUN!!!! They try there best to destroy you after something bad has happened just so they can sizzle out of paying a claim that you purchased!!!!!

1 February 2026
Unprompted review
BriteCo logo

Reply from BriteCo

We understand that the claims process can feel stressful during an already difficult time. We do not aim to make difficult situations harder, and we would never want a customer to feel that way.

Our role is to review each claim carefully, request supporting documentation when needed, and apply the policy terms fairly and consistently to every policyholder.

Because this is a public forum, we are unable to discuss the specifics of any individual policy or claim here.

If you would like to speak with us directly, please contact our team at 312-809-9100. We will make sure the right person reviews your concerns.

All the best,
The BriteCo Team

Rated 2 out of 5 stars

Briteco is great...until you need to file a claim.

Briteco makes it very easy to sign up for jewelry insurance (which everyone should have!). If you never have to make a claim, they are great for peace of mind. However their claims department is abysmal, and I cannot recommend them if you are ever in the unfortunate circumstances of needing to file one. They dragged me on for months and months (9 to be precise) for my claim, ultimately denying for some loophole or another that they spent those months looking for. For that reason, I've cancelled my policy with them and moved elsewhere.

1 March 2026
Unprompted review
BriteCo logo

Reply from BriteCo

Thank you for sharing your experience.

We're genuinely sorry the claims process felt prolonged and frustrating as that's never the outcome we want for our policyholders.

Out of respect for your privacy, we're not able to discuss the specifics of your claim here. What we can say is that every claim decision is grounded in the terms of the policy and the findings of our investigation, not in finding reasons to deny.

If you'd like to revisit the outcome or have questions about the basis for the decision, our team is available at 224-350-2901.

We're happy to walk through it directly with you.

The BriteCo Team

Rated 5 out of 5 stars

Took 2min to set up online

I have a couple of Tiffany rings and kept putting off insuring them because I though it would take long. But the experience i had with Briteco was quite the opposite since i got my policy while i was drinking my coffee. Got a quote then picked my coverage and was fully set up online without having to talk to a single person. Im just not a phone call person so that meant a lot to me

22 March 2026
Unprompted review
BriteCo logo

Reply from BriteCo

Thank you so much for sharing this. We love hearing that getting coverage was quick and easy, especially when it fits right into your routine. Being able to set everything up online without any phone calls is something we know matters to a lot of people, so it’s great to hear that stood out to you. We’re glad your Tiffany rings are now protected and that the experience was as smooth as it should be.
Cheers,
The BriteCo Team

Rated 5 out of 5 stars

Wish I had this before I lost my ring

I lost this ring my best friend gave me last year which wasnt insured and it was genuinely devastating like told myself never again after. A coworker mentioned she has a seperate policy instead of relying to her home owners alone and suggested me to do the same. Got BriteCo shortly after and the thing I appreciate most is this clause called "mysterious disappearance" meaning if you just have no idea where something went they still got you. Thats exactly what happened to me last time and i already recommended it to two people in my family

22 March 2026
Unprompted review
BriteCo logo

Reply from BriteCo

Thank you for sharing this, and we’re so sorry about your loss. We’re glad you found coverage that gives you peace of mind, and we truly appreciate you recommending us to your family.

Cheers,
The BriteCo Team

Rated 5 out of 5 stars

Smooth claims process

My husband got me a sapphire necklace for our anniversary and I tried not wearing it much to protect it.

Started looking into seperate jewelry insurance because our renters policy had a really low cap for valuables. Someone in a group mentioned Brite co so I checked them out. Had to file a claim with them 4 months after when a small pendant went missing and honestly expected a hassle but it was the opposite. That experience alone made it worth every penny and now I actually wear my necklace freely without that anxious feeling in the back of my mind.

18 March 2026
Unprompted review
BriteCo logo

Reply from BriteCo

Thank you for sharing your experience, we really appreciate it. We’re glad the claims process was smooth and that you can now enjoy wearing your necklace with peace of mind.
Team BriteCo

Rated 5 out of 5 stars

My jeweler actually flagged this when i…

My jeweler actually flagged this when i picked up a custom piece I had made. She mentioned that a lot of people renters insurance covers jewelry properly and it really doesn't hold up when you look at the limits. Spend a weekend researching options and came across briteco through a review thread somewhere. The face that I could get a dedicated policy just for my jewelry without bundling it into something else was exactly what i wanted.

20 March 2026
Unprompted review
BriteCo logo

Reply from BriteCo

Lissa
Thank you for sharing this, we really appreciate it. We’re glad you found a policy that fits your needs and gives your jewelry the dedicated coverage it deserves.
Cheers
The BriteCo Team

Rated 5 out of 5 stars

Same coverage as other providers just cheaper price

I have a Rolex submariner and an older omega speedmaster that I care about and my buddy who is really into horology kept telling me to get them insured. Then this one afternoon i sat down after work and started looking at insurnace vendors. I choose BriteCo becuase they offer similar coverage if not the same as hodinket or others but the cost was cheaper. Like for the same loss or theft and even mysterious dissaperance I was seeing elsewhere the premium came out lower than I expected..really happy I finally got this sorted!!

3 March 2026
Unprompted review
BriteCo logo

Reply from BriteCo

Thank you so much for sharing this, and for trusting BriteCo with pieces that clearly mean a lot to you. A Submariner and a Speedmaster are incredible watches, and it’s great to hear you took your friend’s advice and got them protected.

We’re especially glad you found the coverage comparable to others while still being more affordable. That balance is exactly what we aim for, so it’s awesome to hear it came through in your experience.

Cheers,
The BriteCo Team

Rated 5 out of 5 stars

Finally stopped procrastinating on this

I kept being lazy about insuring my engagement ring for around two years because I thought it to be complicated. A friend mentioned she used Briteco after her bracelet got stolen and thats what made me look into it. It didnt take long to purchase a policy from them and it was simple. My ring is appraised at around $6k and i pay bout $120 a year.

10 March 2026
Unprompted review
BriteCo logo

Reply from BriteCo

Julie,

Thank you for sharing this, and we’re really glad your friend pointed you our way.

A lot of people put off insuring their jewelry because they expect it to be complicated, so it’s great to hear the process felt simple and quick for you. An engagement ring is such a meaningful piece, and having it protected brings a lot of peace of mind.

We’re also happy to hear the pricing felt reasonable for your coverage.

Team BriteCo

Rated 5 out of 5 stars

Good for vintage pieces

Insured my late aunt's 1950s Van Cleef & Arpels brooch and matching earrings set, appraised at $8,900 in Chicago. Briteco process was efficient and straightforward. Uploaded appraisal from a certified gemologist on Michigan Avenue, paid first month's premium of $12, approved within 48 hours.

Coverage includes travel which is essential since I wear these pieces to events. Website navigation could be smoother and I'd prefer a dedicated phone line for questions, but the core product delivers what it promises at a fair price point.

5 March 2026
Unprompted review
BriteCo logo

Reply from BriteCo

Thank you for your thoughtful review. We are glad to hear the process was efficient and that you were able to get coverage in place quickly for such meaningful pieces. We also appreciate your feedback about website navigation and phone support and will share it with our team as we continue improving the experience. Thanks again for choosing BriteCo.

Rated 5 out of 5 stars

I feel comfortable wearing my engagement ring in NY

We got engaged in september at Brooklyn notanic garden and the ring is stunning but it's also $8,200. Living in Manhattan and taking the subway everywhere had me worried about losing it or getting mugged or just being clumsy. My old renters insurance only covered $2,000 for jewelry and didn't cover mysterious loss which is my biggest fear because I lose stuff all the time.
Started googling and found them through some reddit thread I think. Setup took maybe 20 minutes on my laptop like uploaded the receipt and appraisal from the the jeweler in the Diamond district. Now i can wear my ring on the subway now without freaking out every two seconds.

27 February 2026
Unprompted review
BriteCo logo

Reply from BriteCo

Thank you for sharing your story and congratulations on your engagement. We are so glad you found us and that you can wear your ring around the city with a little more peace of mind. It is great to hear the setup was quick and easy. Thanks again for choosing BriteCo and trusting us to protect something so special.

Rated 5 out of 5 stars

Sorted out insurance for my corporate watch

Received an Omega Seamaster from my company for 15 years of service and wasn't sure how to handle insurance for it. Got it appraised at a jeweler in Midtown which came back at $9,200. Checked with my liberty mutual homeowners policy in Westchester and found out watches were only covered up to $2,500 which didn't make sense for this value. Looked into standalone options and went with Brite Co. Application took around 4 minutes with uploading the appraisal PDF. Approved in 3 business days paying premium about $118 yearly and the coverage includes accidental damage and mysterious disappearance.

2 March 2026
Unprompted review
BriteCo logo

Reply from BriteCo

Thank you for sharing your experience and congratulations on your 15 years of service. We are glad you found a coverage option that fits the value of your watch and that the application process was quick and easy. Thanks for choosing BriteCo to help protect such a meaningful piece.

Rated 5 out of 5 stars

Perfect for travelers

I travel a lot for work and was worried about my jewelry being covered abroad. There’s worldwide coverage is standard so I don't have to call and update them everytime I leave the country.

14 November 2025
Unprompted review
BriteCo logo

Reply from BriteCo

We’re so glad that worldwide coverage gives you peace of mind while you travel, that’s exactly what it’s there for. Thank you for sharing your experience!

Rated 5 out of 5 stars

professional and responsive team

i had a specific question about the security alarm endorsement on my policy and called their support...i spoke to a real person immediately who was knowledgeable and friendly.

17 December 2025
Unprompted review
BriteCo logo

Reply from BriteCo

We’re happy to hear our support team was able to help right away and answer your question clearly. Thanks for sharing your experience.
The BriteCo Team

Rated 5 out of 5 stars

After comparing quotes from three…

After comparing quotes from three different providers, this business was the clear winner. I am saving a significant amount of money and actually getting better coverage than my previous plan.

20 December 2025
Unprompted review
BriteCo logo

Reply from BriteCo

We’re thrilled to hear that we stood out and could offer you better coverage at a great value. Thanks so much for choosing BriteCo.
Cheers,
The BriteCo Team

Rated 5 out of 5 stars

Took some effort trying to add articles to existing policy

UPDATED: I have an existing policy with them for several pieces, and the website seemed unwilling to let me add pieces to my policy. BriteCo contacted me and was able to add the pieces manually. Very happy with their customer service.

27 August 2025
Unprompted review
BriteCo logo

Reply from BriteCo

Thank you for the positive feedback, Steve. We really appreciate your business and will continue to work hard for you. If you have any other questions please don't hesitate to reach out. All the best!

Rated 5 out of 5 stars

Sheena from BriteCo did a great job of…

Sheena from BriteCo did a great job of following up with me and quickly resolving a billing question I had. Thank you!

18 August 2025
Unprompted review
BriteCo logo

Reply from BriteCo

Thank you so much for the feedback we truly appreciate and we're happy Sheena was able to help!

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