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The constraint here is custody. Jewelry, unlike most portable assets, shifts loss exposure sharply the moment it leaves a secured home environment.
Jewelers Mutual Group, the Neenah, Wisconsin-based specialty insurer backed by more than 100 years in the category, published findings from its 2026 Travel Study on July 15 showing that jewelry losses are 2.5 times more likely when a piece is worn during travel.
The custody gap in transit The mechanism behind that number is the sequence of handoffs travel introduces.
Physical control over a piece loosens across unfamiliar environments in ways a fixed home setting does not replicate.
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