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How the Big Names Compare to the Experts

Jewelry is covered under typical renters and homeowners insurance policies. But that coverage is usually subject to a limit of a couple grand, and even a rider or floater has its limitations.

See How We Compare Jewelers Mutual Typical Homeowners
Loss checkmark X symbol
Theft checkmark checkmark
Damage checkmark Not always covered
Disappearance checkmark X symbol
Flood or Earthquake checkmark Not always covered
Worldwide Travel checkmark checkmark
Out-of-Pocket Cost $0 deductible option Homeowners deductible applies
Effects of Claims
Insuring your jewelry with a standalone policy protects your home insurance from the effects of a claim.
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What's covered?

All the most common dangers to bracelets (and other jewelry). Loss, theft, damage and mysterious disappearance are covered.
It's an all perils policy, so if it's not listed as NOT covered, it's covered.

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You hit your bracelet on the edge of a table and it breaks, or the clasp gets caught and breaks. Accidents happen. We’ll cover that.

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Sometimes jewelry just disappears – it could be lost, stolen or hanging out in a drainpipe somewhere. You may not be able to explain how, where or when it happened. Don’t worry, that’s covered.

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You take your bracelet off at the gym and can’t find it after. Or you swear you put it on the counter to shower, but it’s gone. It’s out there somewhere but you can’t find it. It’s covered.

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Maybe your sketchy uncle has sticky fingers. Or your home gets broken into and they went straight for your jewelry box. You can rest assured that's covered, too.

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Worldwide Travel

All our policies extend worldwide, so know that you're covered, no matter where your travels may take you.

What's not covered?

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Damage from vermin, rodents or insects isn't covered. So if a moth infestation affects the heirlooms in your attic, you couldn't file a claim for that.

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Damage from inherent defects or from typical wear and tear is not covered. (Think gradual, expected deterioration like small scratches on a bracelet.)

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Intentional Actions

Purposely damaging or losing your bracelet won’t be covered. Fraud associated with voluntary parting isn’t either. If you sell your bracelet and the check bounces, that’s not included.

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War & Authority

Loss or damage due to war, military action, nuclear hazard or confiscation by civil authority, like law enforcement or other government entities, is not covered.

What Our Policyholders Say


How does jewelry insurance work?

When you file a claim, we don’t just cut a check and run like a traditional cash pay-out policy.
First, you let us know what happened. Then you visit your jeweler to arrange for repairs or a replacement of same kind and quality. Once you agree your bracelet is good as new, you pay your deductible (if you chose one), and the jeweler bills us for the rest. Simple as that.

How much does it cost?

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 bracelet costs about $100 per year to insure.

Who is Jewelers Mutual anyway?

Jewelers Mutual was founded in 1913 by jewelers, for jewelers. We started out insuring jewelry stores and businesses; then, in 1953, we added coverage for personal jewelry, like bracelets and engagement rings. We insure jewelry and only jewelry. We are the jewelry insurance experts.

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Estimate your rate in less than one minute. Just tell us what you need to insure, how much it’s worth and your zip/postal code. 

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*Coverage not available in Quebec

It all comes down to trust

We're here to make this choice as easy as possible for you, every step of the way. That's why we created a free guide to jewelry insurance to help you decide how to best protect your jewelry.