Jewelry Insurance
with 110 Years of Expertise
The trusted jewelry insurer protecting
1 million+ customers and backed by 10,000+ 5-star reviews.
What’s Covered?
With a Jewelers Mutual policy, you get protection from almost every imaginable risk life may throw at your jewelry, typically for 1-2% of its value.
Accidental Loss
Your ring fell into the lake, or you left it somewhere. Don’t panic. With Jewelers Mutual Group, your jewelry is covered.
From a ring falling down the drain to a dog eating an earring, we’ve heard so many ways you can lose jewelry!
Theft
If your jewelry is stolen, whether it be in a home break-in or while you're wearing it on the street, it's covered!
Did you know... the most common place jewelry is stolen is at your own home.1
Damage
You hit your diamond ring on the edge of a table, and it chips, or your child grabs your necklace, and the clasp breaks. Rest assured; you're covered
Did you know... lost center or side stones are the most commonly reported damage to jewelry.2
Disappearance
Sometimes jewelry just disappears- it could be lost, stolen or hanging out in a drainpipe somewhere. We realize you can't always pinpoint how or where your jewelry disappeared, so we cover disappearance.
Did you know... most standard homeowner policies don't cover disappearances?
Worldwide Travel
Are you a jetsetter? If your jewelry becomes lost or stolen during your international travels, don't worry - you're protected globally while travelling!*
With a typical homeowners or renters policy, your jewelry might not be fully covered if anything happens outside of the United States.
*Coverage is only available to residents of United States or Canada. Coverage not available in Quebec.
Protection from Natural Disasters
If a natural disaster such as flood, tornado, hurricane or earthquake causes your jewelry to get lost or ruined, you're covered!
A basic homeowners policy typically offers a limited amount of coverage for your jewelry. If I tornado strikes your house, your couch may be covered but your jewelry may not be.
Normal Wear and Tear Repairs
Normal wear and tear refers to the gradual wearing or damage that occurs over an extended period of use. We will pay for the following which are caused by normal wear and tear:*
- Prong retipping
- Broken, worn or bent prongs
- Broken earring posts
- Clasp replacement
- Restringing of broken or stretched pearl strands
- Stone tightening
*Subject to availability, coverage may not be available on all policies.
Automatic Value Adjustments
IVA or Insurance Value Adjustments, is a complimentary service, applied to the values of your jewelry to compensate for market changes in jewelry’s value. This helps lessen the impact of a loss but isn’t always enough. It is always important to get updated valuations from your jeweler to get the best protection.*
*Only applied when your item’s appraisal is older than two years at the time your policy is renewed.
What's not covered?
There are a few unusual situations we don't cover. Here are a few examples that you should be aware of.*
- War and military action
- Rodent and pest infestation
- Intentional actions or voluntary parting
- Deterioration, resizing, cleaning and inspections
Accidental Loss
Your ring fell into the lake, or you left it somewhere. Don’t panic. With Jewelers Mutual Group, your jewelry is covered.
From a ring falling down the drain to a dog eating an earring, we’ve heard so many ways you can lose jewelry!
Theft
If your jewelry is stolen, whether it be in a home break-in or while you're wearing it on the street, it's covered!
Did you know... the most common place jewelry is stolen is at your own home.1
Damage
You hit your diamond ring on the edge of a table, and it chips, or your child grabs your necklace, and the clasp breaks. Rest assured; you're covered
Did you know... lost center or side stones are the most commonly reported damage to jewelry.2
Disappearance
Sometimes jewelry just disappears- it could be lost, stolen or hanging out in a drainpipe somewhere. We realize you can't always pinpoint how or where your jewelry disappeared, so we cover disappearance.
Did you know... most standard homeowner policies don't cover disappearances?
Worldwide Travel
Are you a jetsetter? If your jewelry becomes lost or stolen during your international travels, don't worry - you're protected globally while traveling!*
With a typical homeowners or renters policy, your jewelry might not be fully covered if anything happens outside of the United States.
*Coverage is only available to residents of United States or Canada. Coverage not available in Quebec.
Protection from Natural Disasters
If a natural disaster such as flood, tornado, hurricane or earthquake causes your jewelry to get lost or ruined, you're covered!
A basic homeowners policy typically offers a limited amount of coverage for your jewelry. If I tornado strikes your house, your couch may be covered but your jewelry may not be.
Normal Wear and Tear Repairs
Normal wear and tear refers to the gradual wearing or damage that occurs over an extended period of use. We will pay for the following which are caused by normal wear and tear:*
- Prong retipping
- Broken, worn or bent prongs
- Broken earring posts
- Clasp replacement
- Restringing of broken or stretched pearl strands
- Stone tightening
*Subject to availability, coverage may not be available on all policies.
Automatic Value Adjustments
IVA or Insurance Value Adjustments, is a complimentary service, applied to the values of your jewelry to compensate for market changes in jewelry’s value. This helps lessen the impact of a loss but isn’t always enough. It is always important to get updated valuations from your jeweler to get the best protection.*
*Only applied when your item’s appraisal is older than two years at the time your policy is renewed.
What's not covered?
There are a few unusual situations we don't cover. Here are a few examples that you should be aware of.*
- War and military action
- Rodent and pest infestation
- Intentional actions or voluntary parting
- Deterioration, resizing, cleaning and inspection
Trusted for 110 Years
The wife and I had no idea we could insure her ring separate from our household things. We were made aware of this by our Geico rep. Simple, easy and inexpensive. Thanks Geico
Bobby B.
Trustpilot Review
Pleasant people answer the phones, not machines. They quickly get you to the person you need to speak to, not a voicemail. Their rates are extremely competitive. What more could you ask for from an insurance company?
Mel L.
Trustpilot Review
One of the stones was chipped on my engagement ring. I contacted JM an it took less than two weeks to file my claim, for my ring to be fully fixed, and for it to be shipped back out to me. Definitely 5 star service.
Estefania M.
Trustpilot Review
Featured in:
"Best Overall"
"Best Overall"
"Best for Convenient Features"
"Best for a Wide Network of Jewelers"
A Leader in Jewelry Insurance
Over a million jewelry owners and 11,000 jewelers trust us. And many of the major names in insurance depend on us as their exclusive jewelry insurance provider for their customers.
Repair or Replace with your Trusted Jeweler
We don’t dictate who does your repair or replacement. It’s your jewelry after all. So, we work directly with your trusted jeweler to repair or replace your piece.
Top-rated, Simple Claims Process
We take pride in making the process easy — over 10,000 5-star customer reviews agree. Start your new claim online, by phone or by contacting your trusted jeweler.
5 Risks of Relying on Homeowners Insurance to Protect Your Jewelry
Homeowner or renter insurance may not provide enough coverage for jewelry that is accidentally lost or damaged, including during worldwide travel.
A typical homeowner policy could have a deductible of $500 and could only cover up to $1,500 of jewelry for certain types of losses. This could leave you with only $1,000 of coverage if you file a claim.
Filing a jewelry claim could raise the premium, or in some cases, cancel/non-renew your entire homeowner policy.
In the event of a claim, some homeowner insurance policies require you to work directly with a designated jeweler in their network, not your jeweler of choice.
Home insurance companies may be experts at insuring homes, but protecting jewelry isn’t always their specialty.
