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Insure it. Wear it.

Get the confidence of over 100 years of jewelry insurance expertise.

Personal Jewelry Insurance Policy

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Manage My Account

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

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Register for an online account

Add an item to my policy

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Make a Payment

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.

Learn more about personal jewelry insurance.

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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.

Expertise Since 1913

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Founded By Jewelers, For Jewelers

Jewelers Mutual was founded by jewelers determined to meet their own need for quality business insurance. We were literally founded by jewelry experts.

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Jewelers Own Jewelry, Too

Those jewelers later realized another unmet need – quality, expert protection for their own jewelry. Thus, we started offering personal jewelry insurance.

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Endorsed By All the Experts

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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Experts Then, Experts Still

Just as the 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.