Protect your jewelry for all its worth.

Personal Jewelry

Protect your jewelry for all its worth.

Peace of mind for every piece of jewelry

When you damage or lose your jewelry, the last thing you should worry about is how to repair or replace it. Feel comforted with insurance from a company that's been protecting jewelry since 1913. That’s Jewelers Mutual.

Get Covered Fast

Tell us about your jewelry and get a quote with deductible options in under a minute.

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Jewelry Covered

We cover all types of jewelry, from engagement rings and wedding bands to watches, earrings and even loose stones while being set.

Smart Jewelry
"Excellent company – reasonable rates, great coverage and prompt and courteous service. Applying is easy and claims service is exactly as advertised…wonderful."



No matter the type of jewelry you insure, it'll be protected with our comprehensive coverage.

  • Loss

    You left your ring somewhere—on a beach towel or in a public bathroom. It’s out there somewhere and you can’t find it. It’s covered.

  • Theft

    We all know that feeling of dread when something we cherish is stolen. But you can rest assured that your stolen piece is covered, too.

  • Damage

    You hit your diamond ring on the edge of a table and it cracks, or you're pulling on a sweater and a prong is bent. Accidents happen. We'll cover that.

  • Disappearance

    Sometimes jewelry just disappears—it could be lost, stolen or hanging out in a drainpipe somewhere. You may not be able to explain how, where or when it vanished. Don’t worry, that’s covered.

Did you know

Charitable Giving

Jewelers Mutual has a long history of giving through our Charitable Giving Fund and volunteerism on both a local and national level. In 2016, we made the largest charitable donation in our company’s history of $2 million to St. Jude Children’s Research Hospital, Habitat for Humanity, and Feeding America/Food Banks Canada through our Band Together campaign. Together, we can make a difference.

Policyholder Advantages

Peace of mind isn't the only advantage to being a Jewelers Mutual policyholder. Because we've been in the jewelry industry for over 100 years, you’ll be getting experience like no other, plus the following features:

  • Coverage Wherever You Go

    Our coverage travels with you worldwide. Whether you travel to another state or another country, you’re still covered just like you are at home.

  • Simple Account Management

    You’ll get a personal online account with 24/7 access to manage your policy safely and securely.

  • Quality As Good As New

    If you need your jewelry repaired or replaced, you can expect to get back an item of the same kind and quality as the original. This is especially important when you have name-brand jewelry.

  • Your Own Jeweler

    We know you care about who works on your jewelry. That’s why we don’t require multiple estimates and we’ll never force you to work with a designated jeweler, unlike many homeowners and renters policies.

  • Preventive Repair

    Over time, things may get a little loose. We get that. To ease the worry of a larger and more painful jewelry loss, we also provide coverage for the following preventive repairs: prong re-tipping, clasp replacement, broken or stretched pearl strand restringing, stone tightening, broken earring post repair and the repair of broken, worn or bent prongs.

"It was a terrific experience in how Jewelers Mutual handled my claim. It was hassle-free and completed quickly. The jeweler I worked with in handling my claim even reported how easy it was working with JM."


Learn More About How Your Policy Works

Learn More About How Your Policy Works

We're here to make this choice as easy as possible for you, every step of the way. That's why we created a Buyer's Guide to help you decide how best to protect your jewelry.

View the guide