/sites/default/files/styles/728_px_wide/public/2023-11/home-page-728x518.jpg?itok=PaHKo70j

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 Lossafter

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!

Theftafter

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

Damageafter

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

Disappearanceafter

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 Travelafter

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 Disastersafter

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 Repairsafter

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 Adjustmentsafter

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?after

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
An engagement ring lost in the sand of a beach

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!

A theif stealing jewelry from a safe

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

A woman holding a baby

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

A woman searching under her bed

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?

A couple holding hands while visiting a foreign city

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.

Sandbags holding back water in a residential neighborhood

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.

A jeweler repairing a halo diamond engagement ring

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.

A couple going over account information on their laptop

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.

A rat peeking out of a jewelry drawer

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

Named Best Jewelry Insurance Company By

check mark
Award icon with BuySide From WSJ

"Best Overall" 

check mark
Award icon with CNBC Select

"Best Overall" 

check mark
Rated best jewelry insurance by Forbes Advisor for convenient features badge

"Best for Convenient Features" 

check mark
Award icon with Brides

"Best for a Wide Network of Jewelers" 

What will Jewelry Insurance Cost Me?

Get a Free Quote

Rates depend on where you live. But for most people, jewelry insurance costs 1-2% of the value of their jewelry.

For example, a $10,000 ring costs about $100 per year to insure.

Why Jewelers Mutual is Your Best Choice

Over 10,000 5-star reviews graphic
check mark

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. 

check mark

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.

check mark

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

 

01

Homeowner or renter insurance may not provide enough coverage for jewelry that is accidentally lost or damaged, including during worldwide travel.

02

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.

03

Filing a jewelry claim could raise the premium, or in some cases, cancel/non-renew your entire homeowner policy.

04

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.

05

Home insurance companies may be experts at insuring homes, but protecting jewelry isn’t always their specialty.

A light gray craftsman-style home with a green lawn and tall pine trees

Sources:
1Jewelers Mutual Group: 3 Common Places for Jewelry Theft
2Jewelers Mutual Group: Evaluating claims data since 2017