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Your Masterpiece Deserves a Master Insurer

Many big-name insurers are jacks-of-all-insurance trades. Your jewelry deserves more.



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How the Big Names Compare to the Experts

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
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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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Tell me more (5 Minute Read)

With your homeowners policy, you will typically get a check for the amount your jewelry is insured for. It will then be up to you to try to get something similar to what you had before.

With a Jewelers Mutual policy, one of our jewelry experts will connect you with your jeweler to find a same-kind-and-quality replacement for your jewelry. All the work behind-the-scenes is done for you by someone who specializes in the unique properties of fine jewelry.

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What Jewelers Mutual Covers

All the most common dangers to 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 left your ring somewhere – on a beach towel or in a public bathroom. It’s out there somewhere but you can’t find it. It’s covered.

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We all know that feeling of dread when something we cherish is stolen. But you can rest assured that your stolen piece is covered, too.

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You hit your diamond ring on the edge of a table and it cracks, or you’re pulling on a sweater and a prong is bent. 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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Worldwide Travel

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

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What Jewelers Mutual Doesn’t Cover

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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.

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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 the underside of a ring.)

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Intentional Actions

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

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

What Our Policyholders Say

What it Costs

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for a $5,000 ring in Dallas (75043) with a $100 deductible

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for a $2,500 chain in Las Vegas (88901) with a $0 deductible

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for a $3,000 bracelet in Chicago (60614) with a $0 deductible

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for a $7,000 watch in Oakland (94577) with a $100 deductible

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for a $5,000 ring in New York (10016) with a $100 deductible

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for a $5,000 ring in Toledo (43460) with a $0 deductible

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for a $2,500 watch in Orlando (32829) with a $0 deductible

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for a $8,000 ring in Seattle (98107) with a $0 deductible

Check Your Rate

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. No personal information needed.


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. We insure jewelry and only jewelry. We are the jewelry insurance experts.

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 watch 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 ring costs about $100 per year to insure.

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, downloadable Buyer’s Guide to help you decide how to best protect your jewelry.