Couple smiling at each other wedding day

Jewelry Insurance with 110 Years of Expertise

The trusted jewelry insurer protecting 1 million+ customers and backed by 12,000+ 5-star reviews.

What Does Jewelry Insurance Cover?

With a policy from us, you get protection from almost every imaginable risk life may throw at your jewelry. 


Losing your jewelry can feel like losing a part of yourself. Whether your piece fell off at the beach or was left in a public restroom, we cover your loss so you can feel whole again.


It’s easy to feel helpless when your jewelry is stolen from you, but we’re here to help. In the unfortunate event of theft, we'll replace your item with one of the same kind and quality.


You hit your diamond ring on the edge of a countertop, and it cracks, or a prong is bent from getting caught on something. Accidents happen. We'll cover that.


Sometimes jewelry just disappears—is it lost, stolen? Who knows? You can’t explain how, where or when it vanished. Don’t worry, that’s covered.

Protection from Natural Disasters

We understand natural disasters can strike at any moment, but our coverage was made for real life. If a flood, tornado, hurricane or earthquake causes your jewelry to get lost or ruined, you're still covered.

Worldwide Travel

Go ahead. Book that Caribbean cruise or European vacation. You’re covered globally while traveling.

Inflation Protection

Your jewelry's value has risen due to market changes—fantastic! However, it's currently insured for less than its worth. No worries—we offer a complimentary Insurance Value Adjustment (IVA) service. In case your jewelry appreciates due to inflation or market shifts, we'll adjust its value to help minimize the impact of a potential loss. To ensure the best protection, remember to get updated jewelry appraisals for your items. You have the option to decline the IVA service, which may applied when your item's appraisal is more than two years old at the time of policy renewal.

Normal Wear and Tear

Normal wear and tear refers to the gradual wearing or damage that occurs over an extended period of use, such as needing to retip a prong or tighten a stone.

What Isn't Covered

There are a few unusual situations we don't cover, including war and military action, rodent and pest infestation, intentional actions or voluntary parting, deterioration, resizing, cleaning and inspections. 

What Types of Jewelry Are Covered?

Jewelers Mutual insures a wide variety of types of jewelry including necklaces, bracelets, earrings, pearls, and brooches. Learn about our specialized jewelry insurance and the benefits you can expect by putting your trust in us.

check mark Engagement ring icon

Engagement Ring

Engagement, diamond, wedding ring insurance



check mark Watch icon

Watch Collections

Insurance for luxury watches and watch collections



check mark Dollar icon

High-Value Jewelry

Insurance for jewelry collections over $250K



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

What will Jewelry Insurance Cost Me?

Insuring jewelry through Jewelers Mutual could cost as low as 1-2% of the jewelry’s value, per year. There are multiple factors that determine the cost of jewelry insurance, including where you live. For example, take a look at these various locations and example premiums.

check mark

for a $8,000 ring in Dallas (75043) with a $0 deductible

check mark

for a $4,000 ring in Seattle (98107) with a $0 deductible

check mark

for a $9,000 bracelet in Long Beach (90803) with a $0 deductible

check mark

for a $5,000 pair of earrings in Jacksonville (32202) with a $0 deductible 

check mark

for a $20,000 pair of rings in Phoenix (85003) with a $0 deductible

check mark

for a $12,000 watch in Chicago (60614) with a $100 deductible

check mark

for a $6,000 ring in Denver (80202) with a $0 deductible

check mark

for a $32,000 pair of watches in New Rochelle (10804) with a $500 deductible

Why Jewelers Mutual is Your Best Choice

Over 12,000 5-star reviews on Trustpilot
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 — with over 12,000 5-star reviews on Trustpilot. Start your new claim online, by phone or by contacting your trusted jeweler.


Read on about how Jewelers Mutual is the best jewelry insurance company.

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.

Learn more about the differences between jewelry insurance vs homeowners.

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

Learn More About Jewelry Insurance