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Jewelry Insurance
With 110 Years Of Expertise

Explore Personal Jewelry Insurance

Personal Jewelry Insurance Policy

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Review and make changes to your policy through your secure online account.

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Pay your bill online quickly and easily – anytime, anywhere.

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Start a Claim

Start a new claim online – or call our claims team at 888-884-2424, 7AM - 6PM CDT, Monday through Friday

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How Much Does Jewelry Insurance Cost?

Insuring jewelry through Jewelers Mutual typically costs you 1-2% of the jewelry’s value, per year.

For example, a $5,000 ring may cost as little as $50 per year to protect. To put that in perspective, jewelry insurance can cost less than getting one coffee every month for a year.

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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.

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Leading the Way in Jewelry Insurance

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Founded By Jewelers, For Jewelers

As we celebrate our 110-year anniversary, we reflect on how far we have come since our inception in 1913. Jewelers Mutual was founded by jewelry professionals who recognized the importance of having reliable jewelry insurance tailored to the unique needs of the jewelry industry.

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Comprehensive Personal Jewelry Insurance

The same jewelers also recognized a lack of quality insurance options for their own jewelry and decided to address this need by offering expert personal jewelry insurance. We continue to take pride in protecting our customers’ jewelry as our own.

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Endorsed by the Industry's Leading Authorities

Jewelers Mutual is the only jewelry insurer endorsed by the most well-known companies in the jewelry industry – authorities like American Gem Society and Jewelers of America.

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Certified Experts in Jewelry

Just as our founders were jewelry experts, so is our staff today. We’re proud to employ numerous GIA Graduate Gemologists and AGS Certified Sales Associates.

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It All Comes Down to Trust

You trust your home to your homeowners insurance. Trust your jewelry to the actual jewelry experts. Find out how it all works and what our expertise means for you. 

Explore Personal Jewelry Insurance