Policyholder FAQs
What is covered under this policy?
What are the exclusions to this policy?
How do I add jewelry to my policy?
How do I renew my policy?
What payment plans do you have?
Can I pay online?
What method of payment do you accept?
How do I change the address on my policy?
What do I do if I have a loss?
How do I delete a piece of jewelry from my policy?
What is covered under this policy?
Our Personal Jewelry Insurance is a repair or replacement policy that provides coverage for:
*Please note: Coverage for mysterious disappearance is not included for unscheduled items.
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 or Canada. This policy is not available in Québec.
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:
Jewelers Mutual Insurance CompanyP.O. Box 468Neenah, WI 54957-0468U.S.A. 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 800-781-0023.How do I renew my policy?
At least 30 days before your policy's expiration date, we will send you an invoice for the next year's premium, along with renewal instructions listing all the items you have insured.
Periodically, we will recommend that you take your jewelry to your jeweler to have it inspected and the values updated, if necessary.
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 method of payment do you accept?
We accept American Express, MasterCard, and VISA. U.S. residents may also pay with money orders, checks, and Discover credit cards. You can renew your policy online using our pay online form.
Can I pay online?
Yes. Simply use our pay online form.
How do I change the address on my policy?
If your address changes, please notify us in one of the three following ways:
by mail (Jewelers Mutual, P.O. Box 468, Neenah, WI 54957-0468),
by telephone (toll-free 888-884-2424), or
via e-mail (PersonalJewelry@jminsure.com).
Please include your name, policy number, and both old and new addresses.
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.
How do I delete a piece of jewelry from my policy?
To delete an item from your policy, mail or fax (800-781-0023) a request explaining that you want a certain piece of jewelry taken off your policy. Please reference the jewelry item number in your request.
We will delete the item from your policy on the postmark date stamped on the envelope or the date of your faxed request. You will receive an amended declaration page via U.S. mail, along with a refund in premium, if applicable.
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.