Why Jewelers Mutual Is Your Best Jewelry Insurance Choice

Highly-Rated Customer Experience and Reviews

Don't just take our word for it; our track record speaks for itself with nearly 12,000 5-star reviews. We insure over one million customers throughout the United States and Canada. Many of the nation's largest home and auto insurers rely on us to safeguard their customers' jewelry.

Best Jewelry Insurance Company

They have been there for my jewelry coverage for many years. They are the best. I tell everyone.

Janice M.
Trustpilot Review

The BEST Jewelry Insurance Company

Extremely helpful. Never an issue with a claim. They answer the phone when you call. They are the best. Jewelers Mutual has been money well spent for the peace of mind.

Dan H.
Trustpilot Review

The Best Around

Cost effective and best jewelry insurance around. All interactions over the phone have been great and easy, and online portal is easy to navigate. Feels great to know our precious valuables are protected.

Nathan H.
Trustpilot Review


Customer service agent was very informative and made me trust her, She related, reassured, and closed the deal.

Azia T.
Trustpilot Review

Extensive Coverage at Affordable Price

The best coverage for the money spent.

Sterling S.
Trustpilot Review

Company Has Amazing Service and...

Company has amazing service and integrity! I had a diamond that developed a crack. 72 hour turnaround from the time JM received the stone til my jeweler received replacement check! No hassle! Best insurance ever!!!!

Deedee S.
Trustpilot Review

Named Best Jewelry Insurance Company

What Makes Jewelers Mutual Your Best Jewelry Insurance Option 

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Ring being fixed

Same Like Kind and Quality Replacement With Your Jeweler

We work directly with your trusted jeweler of choice, not a predetermined jeweler network, to get your jewelry repaired or replaced with an item that’s of the same kind and quality as the original.

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Quick and Easy Online Quote

Get a quick and easy coverage quote for all your jewelry in minutes, with no strings attached. Just tell us a little about yourself and your jewelry – it’s that easy. 

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$0 Deductible Option and Discounts Available

Choose a deductible that fits your budget, as low as $0. You may also qualify for discounts if you have a home alarm, a diamond grading report or store your jewelry in a safe deposit box.

*Requires underwriting review and approval.

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Jewelry Replacement Value Protection

Jewelry prices fluctuate with the market and inflation, so we automatically adjust your jewelry's value to try to keep you properly covered. 

*Benefit offered at renewal for policies with appraisals more than two years old.


Compare Jewelers Mutual to Other Jewelry Insurance Options


Typical Homeowners

Typical Riders




Not always covered

Not always covered


Flood or Earthquake

Not always covered

Not always covered

Worldwide Travel

Not always covered

Normal Wear and Tear Repairs

Not always covered

Not always covered

Out-of-Pocket Cost

$0 deductible option

Homeowners deductible applies

May have deductible

Jewelry Protection Backed by Certified Experts 

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Founded by Jewelers 110 Years Ago

Established by jewelers in 1913, Jewelers Mutual remains the only insurer committed to safeguarding jewelry for more than a century. We're proud of our ability to navigate decades of changes in both the jewelry and insurance industries, proving our coverage is time-tested and built to last. 


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A Real Insurance Company Standing Behind You

We are a real insurance company that backs our own policies. Unlike others who act as go-betweens, and sell policies from other companies, we handle everything ourselves. If you ever need to make a claim, you'll work directly with us, making the process simpler for you.


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Gemological Institute of America Graduate Gemologists 

We employ numerous GIA Graduate Gemologists, who train at the Gemological Institute of America. They become proficient in the technical and practical aspects of gemstone evaluation, utilizing criteria such as the 4Cs, the International Diamond Grading System™, and the Colored Stone Grading System.


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American Gem Society Certified Gemologists
and Sales Associates 

We also have multiple AGS Certified Gemologists and Sales Associates on staff. They complete advanced training from the American Gem Society, showcasing expertise in testing procedures for diamonds, gemstones, and precious metals.


Exclusively Endorsed by the Jewelry Industry’s Leading Authorities

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American Gem Society

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Jewelers of America

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Jewelers Security Alliance

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Jewellers Vigilance Canada

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Canadian Jewellers Association

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Canadian Jewellry Group

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Manufacturing Jewelers and Suppliers of America

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Women’s Jewelry Association


Recognitions of Insurance Excellence and Financial Stability

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AM Best A+ Superior Rating Logo

A+ Superior Rating from A.M. Best

As of November 2023, recognized for 37 consecutive years, an A+ Superior Rating from A.M. Best signifies a high level of financial stability and credibility in the insurance industry, indicating that the company is well-equipped to meet its financial obligations and honor commitments to policyholders.


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Wards 50 logo

Ward's 50®

Recognized for the 13th consecutive year, the Ward's 50 List acknowledges the leading property-casualty companies, meeting stringent safety and consistency criteria, over a 5 year period.


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Deloitte Wisconsin 75 logo

Deloitte’s Wisconsin 75™

Achieving Deloitte's Wisconsin 75™ award for 5 consecutive years highlights consistent placement among the top 75 fastest growing and financially successful private businesses in Wisconsin, known for innovative and forward-thinking solutions.