Protecting Jewelry with the Best Jewelry Insurance
Choose the jewelry insurance specialists
After you've selected that special piece of jewelry, you'll want to protect it against jewelry theft, damage, and loss.
Since 1913, Jewelers Mutual has been a leader in jewelry protection for jewelers across the country. We also can protect your personal jewelry, frequently covering jewelry insurance claims that homeowners insurance or renters insurance doesn't.
We have:
Gemologists on staff;
Customer service representatives who are licensed insurance agents;
An A+ rating with A.M. Best, an insurance company rating organization, for our continued financial stability; and
Exclusive endorsements from the American Gem Society, Jewelers of America and the Canadian Jewellers Association.
What our insurance covers
Our comprehensive Personal Jewelry Insurance program provides coverage for:
The standard homeowners policy provides only limited jewelry protection, often excluding breakage or loss. With Jewelers Mutual, you are covered with the best jewelry insurance. View a sample of our U.S. policy and a sample of our Canadian policy here.
No deductible necessary
If you experience jewelry damage or loss, you won't have to pay out of your own pocket. Our jewelry insurance policy offers jewelry protection with no deductible, unless you choose one.
Jewelry replacement with same kind and quality
We offer jewelry repair or replacement for your lost or damaged jewelry with items of same kind and quality, returning you to the same position that you were in before the loss. (Unless, of course, you choose to upgrade!)
Choose your own jeweler
Many homeowners and renters insurance policies force policyholders to use impersonal jewelry replacement companies for jewelry repairs and replacements or to obtain several estimates to cover their personal jewelry damage or loss.
With Jewelers Mutual jewelry insurance, when you experience jewelry damage or loss on a piece covered by your policy, you'll be able to work with a jeweler of your choosing. We also won't make you get several estimates. Dealing with a lost diamond or other special piece is trying enough. We want to make jewelry replacement as easy as possible.
Regular jewelry inspections—why they are important
We suggest periodic inspections of your insured items for optimal jewelry protection. Why, you ask?
While we do not cover normal wear and tear of your jewelry, you'll have peace of mind knowing that during inspections, your jeweler can identify small problems—such as loose stones and faulty clasps—before they become bigger ones.
Most jewelry values increase over time, so routine inspections are important for maintaining current values and adequate jewelry protection.
Inspections also are a great opportunity to have your jewelry cleaned and make that engagement ring shine like the day you received it.
How we determine your premium
The cost of jewelry insurance is based on the jewelry's retail replacement value and the state and county or province where the person who wears the jewelry lives.
Coverage for unscheduled jewelry
Not every piece of your jewelry costs as much as your engagement ring. If you have a lower-valued item you'd like to insure, you can simply add it to your policy under our "unscheduled jewelry" option. This option provides limited coverage for jewelry valued at $1,000 or less.
The premium rate for insuring unscheduled jewelry is $15 per $1,000 of value, up to a $5,000 total limit. You can add this option to your policy in $1,000 increments without an insurance evaluation/appraisal. This coverage has a $100 deductible.
To qualify for this coverage, you must have at least one item of jewelry scheduled on your policy with an insurance evaluation/appraisal.
Convenient payment methods and plans for your jewelry insurance
You may pay for your jewelry insurance with American Express, MasterCard, or Visa credit cards. U.S. residents may also pay with personal checks, money orders, or Discover credit cards.
If your premium is $200 or more, we offer affordable payment plans. A service charge is added to each installment.
Security system discount
Have an alarm system? You may qualify for a premium discount! (Please note, the minimum premium amount still applies.)
Jewelry Insurance from the experts
In addition to protecting your jewelry with the best jewelry insurance, we offer advice about preventing jewelry theft, jewelry damage and loss, and caring for your valuables. We provide exceptional service to meet your needs.
Insuring your jewelry
1. Apply online. (U.S. and Canadian residents)
Submit your online application, payment preference, and a copy of the insurance evaluation/appraisal (completed within the last 18 months), provided by your jeweler.
E-mail, mail, or fax us your evaluation or appraisal for each piece of jewelry you wish to insure within 10 days of submitting your application.* Your appraisal should note the current retail value, along with any applicable sales tax.
If the total value of all the items is $50,000 or more, you may complete our online application; however, please note that Jewelers Mutual Insurance Company requires pre-approval for all policies with a total value of $50,000 or more. An underwriter will contact you within two business days with your quote or you may contact us at 888-884-2424 to obtain additional information.
*Please note: For us to properly insure your jewelry, it is imperative that you send your appraisal or evaluation during this timeframe. If we don't receive this information, we may be forced to decline your application.
2. Download an application. (U.S. residents only)
You will need Adobe Acrobat to download this PDF of our application.
Mail your completed application, along with a check or credit card information, to Jewelers Mutual. Please enclose an evaluation or appraisal (completed within the last 18 months) for every item you wish to insure, noting its current retail value, along with any applicable sales tax.
Coverage begins on the postmark date stamped on the envelope, once all necessary items are received.*
If the total value of all the items is $50,000 or more, you may complete our application; however, please note that Jewelers Mutual Insurance Company requires pre-approval for all policies with a total value of $50,000 or more. An underwriter will contact you within two business days with your quote or you may contact us at 888-884-2424 to obtain additional information.
*Please note: For us to properly insure your jewelry, it is imperative that, along with your application, you enclose an evaluation or appraisal (dated within the last 18 months) for every item you wish to insure. If we don't receive this information, we may be forced to decline your application.
3. Request an application from your jeweler. (U.S. residents only)
Ask your jeweler for Jewelers Mutual's Personal Jewelry Insurance application and rate card. Also ask your jeweler for an insurance evaluation/appraisal for the items you wish to insure. Mail us your completed application and the required evaluation/appraisals (dated within the last 18 months).
Coverage begins on the postmark date stamped on the envelope, once all necessary items are received.*
If the total value of all the items is $50,000 or more, you may complete our application; however, please note that Jewelers Mutual Insurance Company requires pre-approval for all policies with a total value of $50,000 or more. An underwriter will contact you within two business days with your quote or you may contact us at 888-884-2424 to obtain additional information.
*Please note: For us to properly insure your jewelry, it is imperative that, along with your application, you enclose an evaluation or appraisal (dated within the last 18 months) for every item you wish to insure. If we don't receive this information, we may be forced to decline your application.
If you have any questions or concerns about our jewelry insurance coverage or how to obtain Personal Jewelry Insurance, contact a customer service representative, toll free, at 888-884-2424.