Frequently Asked Questions

How can I apply for Personal Jewelry Insurance? 
How are insurance rates determined?
What is covered under this policy? 
What are the exclusions to this policy? 
How do I add jewelry to my policy?
What payment plans do you have? 
What methods of payment do you accept?
What do I do if I have a loss? 

How can I apply for Personal Jewelry Insurance?

It's easy to insure your jewelry with Jewelers Mutual Insurance: apply online.

How are insurance rates determined?

Insurance rates are based on two basic criteria:

1. The retail replacement value of the item, and

2. Our historical losses for the state or county in which the person possessing the jewelry resides. For example, if a mother purchased a necklace for her daughter, the rate would be based on the daughter's state and county of residence.

What is covered under this policy?

Our Personal Jewelry Insurance is a repair or replacement policy that provides coverage for:

• loss,
• theft,
• mysterious disappearance, and
• damage.

What are the exclusions to this policy?

This policy is not available for damaged watches or jewelry, loose stones that won't be set, antique jewelry, items missing stones or pieces, non-jewelry items, or persons living outside the United States.

How do I add jewelry to my policy?

To add jewelry to your policy, use our online Add Jewelry form, or simply mail, e-mail, or fax a request to add the item to your policy, along with a copy of the appraisal or evaluation (dated within the last 18 months) that includes a complete description of the jewelry, including the value and any applicable sales tax.

We will add the jewelry to your policy and bill you for the additional premium.

Send your information to:

If you have any questions about adding jewelry to your policy, contact the Personal Jewelry Department at 888-884-2424, e-mail PersonalJewelry@jminsure.com, or fax us at 920-969-1294.

What payment plans do you have?

If your total premium is $200 or more, you may make installment payments. A service charge is added to each installment.

What methods of payment do you accept?

We accept money orders, checks, American Express, MasterCard, VISA, and Discover credit cards. You can renew your policy online using our pay online form.

What do I do if I have a loss?

If your insured jewelry is damaged, lost or stolen, you can report your claim through our Web site. If you prefer, you can call Jewelers Mutual at 888-884-2424 and a Personal Jewelry Insurance claim representative will give you complete instructions.

In addition, if your jewelry was stolen or you suspect it was stolen, you should report it to the police.

In most instances, you will return to the jeweler who appraised your jewelry and/or performs your periodic inspections to have the jewelry repaired or replaced.

Any other questions?

If you have any other questions, please contact our Personal Jewelry Insurance staff toll-free at 888-884-2424 or submit your questions to a licensed service representative at PersonalJewelry@jminsure.com.