BriteCo Review

BriteCo Review 2024 → All-Risk Jewelry Insurance Policies

A. K. Sari 5.0 / 5 ratings 105 readers

About BriteCo Jewelry Insurance

Insuring jewelry is one of the solutions to overcome the risk of theft, robbery, damage, etc. Therefore, many customers realize how important it is to insure their jewelry. Fortunately, BriteCo comes to help insure your client’s jewelry!

BriteCo Review: About BriteCo Jewelry Insurance

BriteCo is an insurtech startup that provides jewelry insurance and a cloud-based appraisal management system for jewelers based in Evanston, a northern suburb of Chicago.

In case you didn’t know, Chicago’s tech scene is booming. Accordingly, companies have access to improve their technology.

This insurance technology provider helps customers get instant coverage to protect their jewelry purchases. Not only jewelry but also luxury watches.

The best part is that the protection works within minutes. So, insurance is often successful and resolved before the customer leaves your store. Protecting your jewelry has never been easier!

However, you may still have doubts about its reputation. Not to worry, Forbes, Brides, The Knot, Fortune and others even mentioned BriteCo as a trusted jewelry insurance company. More than 9k accounts on Facebook and Instagram are also interested. 

Further, this insurance brand is trusted by thousands of jewelers. These include Burdeen’s Jewelry, Bethany’s Jewelry & Design, Robert Irwin Jewelers, and more.

But are you still in doubt? If so, our BriteCo review invites you to read the company profile. Thus, we hope you’ll get to know the brand better.

Overview of BriteCo Jewelry Insurance

Established in 2017, BriteCo Jewelry Insurance comes with a mission as an innovative cloud-based Valuation Management System provider. BriteCo wants to simplify and transform your jewelry insurance buying experience for the digital age.

Dustin Lemick, Conor Redmond, Ben Mautner, and John Ortbal are a group of brand founders. They strive to create cutting-edge technology for their jewelry insurance services.

Located in the heart of big ideas and great resources, the company adapts to the latest, more advanced technology. Thus, customers can get accurate, instant quotes and comprehensive coverage within minutes from any device.

Moreover, the brand has the backing of insurance provider AM Best A+. Therefore, they can be sure to provide the best value and straightforward insurance coverage for lasting peace of mind.

The brand believes you have better things to do than spend time waiting for appraisals, chasing insurance agents, or getting quotes. Therefore, they make jewelry insurance faster, easier, and affordable everywhere.

Now, it’s time to see what their services are. Get ready to insure your jewelry in an easier and faster way!

Briteco Insurance Reviews

BriteCo helps jewelers provide expert valuations for their customers’ jewelry purchases. The brand’s advanced Valuation Management System helps valuations run quickly, saving time and effort.

BriteCo Reviews: Briteco Insurance Reviews

When jewelers appraise using the BriteCo system, they calculate an accurate insurance coverage price. Afterward, they share it with your customers directly via SMS or email.

Moreover, it takes less than 5 minutes to complete. So, your customers simply click the link for an instant quote and insurance application.

BriteCo Insurance Jewelry Coverage

Customers can entrust the whole thing with peace of mind. That’s because A.M. Best, the world’s best-rated reinsurer, is backed by their direct protection. And that’s not all.

There are many more advantages of its services that you need to know. Therefore, Stay with us and find out all the interesting information. But first, let’s start by reviewing all three coverage!

BriteCo Engagement Ring Insurance Reviews

Is insuring an engagement ring important? Of course! Engagement ring and wedding ring insurance is a method of mitigating theft, damage, and loss risk. In addition, a ring insurance policy will cover preventive maintenance as well.

BriteCo Review: BriteCo Engagement Ring Insurance Reviews

This type of insurance will minimize and secure your emotional loss by working with the jeweler of your choice. They will cover the missing ring. That’s why it’s important to cover one of your biggest purchases.

So, how much does engagement ring insurance cost you? It will cost you between 0.5% and 1.5% of the appraised value of the item per year to fully cover your engagement ring.

However, you should know that several factors, such as where you live or previous claims, can affect your cost. Accordingly, you should expect to pay between 50 cents and $1.5 per $100 of value.

The best part of this service is that you can avoid out-of-pocket costs when filing a claim. Also, its policy ensures you get up to 125% of the appraisal value in the replacement ring.

So, you don’t need to add personal jewelry insurance to your homeowner’s policy. BriteCo’s customized jewelry coverage makes it easy, fast, and affordable.

BriteCo Luxury Watches Reviews

Since you have spent several hundred or thousands of dollars on a luxury watch, it’s important to insure it with the best insurance services to protect it in case of theft, damage, or loss. BriteCo watch insurance gives you the freedom to travel with confidence.

BriteCo Review: BriteCo Luxury Watches Reviews

They provide comprehensive watch insurance coverage in less than 2 minutes from your smartphone. In other words, no more intimidating, time-consuming, and frustrating insuring processes.

More importantly, most insurance companies place dollar limits on the coverage included in a typical homeowner’s or renter’s policy. Typically, a homeowner’s policy only covers $1,000 to $2,000 for all your client’s jewellery combined.

The total value of your customer’s jewelry may exceed the jewelry limit in a standard homeowner’s or renter’s policy. Therefore, they need additional protection. So Luxury Watches insurance is the right choice for easy, fast, and affordable watch insurance!

BriteCo Fine Jewelry Reviews

The third service that the brand offers is fine jewelry insurance. With this fine jewelry service, you can find diamond and fine jewelry insurance easier than finding stones for your jewelry.

BriteCo Review: BriteCo Fine Jewelry Reviews

The brand delivers 5-star quality fine jewelry insurance through affordable and fast coverage. They also design their insurance to work with transparency and truth at the forefront of every policy.

In addition, the brand guarantees that you can get a comprehensive jewelry insurance policy on your smartphone in minutes. However, their efficiency doesn’t stop there.

Instead, the brand works directly with real jewelers to replace your jewelry. They ensure you get what you need by working with local jewelers. Accordingly, you don’t have to struggle to replace your most precious jewelry.

Another interesting thing about this service is that the brand offers free maintenance repairs for your gemstone and diamond jewelry. Repairs to sweeten the deal include replacing clasps, tightening stones, and restoring broken or stretched pearl strands.

It also includes branch repetition, broken earrings, and worn or bent ring branches. Our jewelry insurance reviews highly recommend this service for all the amazing things the brand offers!

BriteCo Pricing

We have mentioned several times that the jewelry insurance cost through this service is very affordable. Especially when considering the financial protection and peace of mind for your client’s most valuable possessions.

The policy cost depends on where you live. However, most people pay between 1% and 2% of the appraised value of their jewellery. For example, a $5,000 engagement ring costs about $50 to $100 annually to insure.

In other words, that’s only 15-30 cents a day, or less than $8 per month. Additionally, the brand offers low monthly premiums. See how affordable the insurance policy is.

How Much Does BriteCo Monthly Insurance Cost?

  1. $4.51/mo for $6,500 Earrings in New York, NY
  2. $6.06/mo for a $5,500 Engagement Ring in Phoenix, AZ
  3. $4.68/mo for $8,250 Engagement Ring in Chicago, IL
  4. $10.60/mo for $11,750 Watch in San Fransisco, CA
  5. $5.23/mo for $8,600 Pendant Necklace in Austin, TX
  6. $ 4.17/mo for a $1,100 Wedding Band in Miami, FL

Also, we recommend you read the calculation of insurance costs more fully because the brand prepares it for you so that you can understand it before starting the service. But it’s better to start checking your price according to your needed insurance.

How Does BriteCo Work?

The brand offers a simple and fast process to protect your precious jewelry. It takes less than 2 minutes to complete. We’ll list the easy steps in a few points below.

BriteCo 3 easy steps in 2 minutes:

  1. Answer some simple questions
  2. Choose your payment method: Annual or Monthly
  3. Get instant peace of mind

If your jewelry gets lost, stolen, or damaged, you can tell the brand about it, and they’ll help you out. They use technology to make the insurance process faster and easier.

Also, you don’t need to worry about paper appraisals because the brand handles everything online. They also have a team of experts who can answer any questions and help you with your claim.

BriteCo Pros and Cons

Congratulations on reaching this section! We summarized BriteCo’s Pros and Cons in a few points. Thus, we hope you can get to know the brand faster.


  • Full jewelry coverage, including maintenance
  • Convenient monthly payments
  • ZERO out-of-pocket expenses
  • Fast & easy online claims process
  • Backed by an AM Best
    A+ rated
  • Comparatively low premiums
  • Fast, full-value claims through your local jeweler
  • Get quotes and apply online
  • Includes worldwide coverage for lost, stolen, damaged, and disappearance, and preventive maintenance
  • Best-in-class customer service


  • The quoting process is time-consuming

BriteCo Vs Jewelers Mutual

BriteCo and Jewelers Mutual are 2 popular jewelry insurance companies. They became the company that stole the most attention.

But what is the difference between Jewelers Mutual and BriteCo? We want to compare the two of them. So, we hope you can find the best one for your jewelry.

Image 1: BriteCo
Image 2: Jewelers Mutual


  • 0.5% to 1.5% policy fee price
  • Offer monthly payment options
  • 24/7/365 coverage for loss, theft, damage, and mysterious disappearance
  • $0 deductibles
  • 125% replacement value
  • Update customer’s coverage value annually
  • Protection for jewelry care
  • Easy claims
  • Jewelry insurance company launched in 2017

Jewelers Mutual

  • Prices 1% to 3% higher
  • No monthly payment option
  • 24/7/365 coverage for loss, theft, damage, and mysterious disappearance
  • Non-deductible option
  • 100% replacement cost
  • Didn’t update the customer’s coverage value
  • Doesn’t offer coverage for jewelry care
  • Simple claims
  • 100+ year-old insurance company

Who is BriteCo For?

This jewelry insurance service helps jewelers ensure their customers have the right coverage. Thus, jewelers can offer insurance to their customers before they leave the store.

The insurance policy includes all the comprehensive jewelry insurance coverage you need. Their insurance coverage includes Loss, Damage, Theft and mysterious disappearance. In this way, fine jewelry and watches lovers can use them while traveling with a free mind.

BriteCo Reviews: What Do Customers Think?

We have found that BriteCo receives high ratings and positive comments on various review sites. Thus, this proves that this jewelry insurance company works well and is reliable.

BriteCo Review: BriteCo Reviews: What Do Customers Think?

We prepared some customer reviews from different sites. You can consider by looking at customer opinions. But first, let’s start with brand ratings:

  1. Google Reviews: 4.9/5 stars from 590 reviews
  2. Birdeye Reviews: 5.0/5 stars from 851 reviews
  3. The Knot Reviews: 4.8/5 stars from 18 reviews

The payment process was quick and easy. My ring was insured within minutes. I got directed to their website app to upload ownership and live pictures. Uploading was quick, and I immediately received an email confirming that they had received the documents and that I was insured. It was so easy.

The customer said that the process was very easy and fast. That’s why he left a review with a high rating. Now let’s see how the other reviews are:

I got good coverage at a very low price. The whole process has been very smooth. Now that we have coverage in case “something untoward happens”, I can look forward to wearing my clothes in comfort! Thank you so much, BriteCo!

Now, the customer has peace of mind about his insurance coverage. He gets great coverage at an affordable price. Moreover, the whole process was seamless, making him happy.

A truly wonderful company that truly cares about its jewelry partners. I highly recommend Briteco! They offer the best coverage. They are always there for you if you have a claim.

She is happy to partner with this jewelry insurance company as a jeweler. They care and provide outstanding performance. She said that the brand is always there when she has a claim, and the brand provides the best protection.

Overall, its customers get the best service even at an affordable price. Its quick and easy process makes it stand out. Many customers also leave reviews about its helpful customer service.

Is BriteCo Legitimate?

There are several ways to find out the legitimacy of a brand. One of them is to see how many ratings they have on the BBB website. However, this is not the only way. Many other things can prove whether a brand has a good reputation.

So, Is BriteCo reputable? We say BriteCo is legit. This jewelry insurance brand offers one of the most comprehensive 5-star watch and jewelry insurance policies on the market.

Most importantly, all its policies have a $0 deductible and are backed by an AM Best A+ rated insurance company. They are also trusted by thousands of jewelers across the USA, including Jackson Hole Jewelry, Continental Diamond, WorthMore Jewelers, and Adele Diamond.

Is BriteCo Worth It?

BriteCo is the jewelry insurance worthy of your jewelry collection or luxury watches. Your jewelry and luxury watches get the insurance protection that is amazingly easy, fast and simple.

This jewelry insurance also ensures your customers get the right insurance coverage. Your customers can get full replacement coverage that includes even loss or theft.

On the other hand, its insurance services offer instant pricing to your customers. So, they immediately purchase the most competitive jewelry coverage available at affordable prices. 

They coordinate all repair, maintenance and replacement claims through you. As a result, your customers will return to you in case of a jewelry claim. Furthermore, the brand doesn’t have a preferred network. Thus, you can use the supplier of your choice.

BriteCo Claims Policy

How does BriteCo claim work? BriteCo works differently than some other jewelry insurance companies. They work with your choice jeweler to replace lost or stolen jewelry similarly.

You can make a claim online. Then, the brand will expedite your claim personally by its customer service representatives. So, how do I file a claim with BriteCo? Filing an insurance claim is very easy.

It only takes a few minutes. So, follow the steps on the Claims Center link in a few minutes online to file your claim. However, before following the steps in the Claims Center link, you should read the Claims Fraud Warnings.

Since each country has different Claims Fraud Warnings, you need to be aware of and adapt to the regulations in your region. Afterward, the brand will contact you immediately to see if you can get a replacement or repair.

How to Contact BriteCo

Are there any parts that you don’t understand about this insurance policy? We encourage you to contact their customer service team. Here, we list the customer service number along with other contacts.

  • Email: [email protected]
  • Phone number: +1 312-809-9100
  • Live support is available at the bottom right of the page

Or contact customer support via their social media. The brand actively provides the latest updates and any information related to jewelry insurance on its social media. So stay tuned for the latest updates and interesting information!

  • Facebook: BriteCoInsurance
  • Instagram:
  • Twitter: @Brite_Co
  • TikTok:
  • Youtube: @britecojewelryinsurance4739

Where to buy BriteCo?

The official website is the only place to access the insurance service directly. However, you can also visit jewelry stores that work with the brand. Jewelry stores that partner with this insurance include Mervi Diamond Importers, King Jewelers, Pav & Broom Fine Jewelry, and many more.

Not only in offline retail but also in online retail. For example, you can offer insurance at the eCommerce checkout of jewelry stores for Shopify and WooCommerce.

BriteCo Coupon Codes & Promos

Besides affordable prices, the brand offers discounts you can count on. They offer a 50% discount on additional eligible items. However, you must first select up to 3 items at a time for online jewelry evaluation.

The brand also partnered with the American Society of Appraisers to offer a 20% discount on the Jewelry Appraisal Fundamentals online course and 3 months free for jeweler partners who aren’t ASA members. Alternatively, check the button below for more amazing deals!

Reveal all coupons

BriteCo Frequently Asked Questions (FAQ)

When looking for BriteCo reviews, customers typically ask the following questions. We provide the answers to help you in making a smart purchase decision.

Who is the owner of BriteCo?

The owner of BriteCo is Dustin Lemick. However, Dustin worked with other professionals, Conor Redmond, Ben Mautner, and John Ortbal, to establish the brand.

How do I cancel my BriteCo policy?

The brand suggests that you send an email to [email protected]. You can also chat with customer service on the website to resolve your request.

Ask a question?

Conclusion of BriteCo Reviews & Ratings

In conclusion, BriteCo is the perfect choice to insure your precious jewelry. Its unique combination of A+-rated extra coverage, affordability, monthly payment options, ease of access and more makes it stand out.

They are the company of choice to protect your precious jewelry or watches. The coverage and online policy quotes are fast. It only takes 2 minutes with the convenience of digital technology!


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