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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 rings. 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 hide the ring in your golf bag, but it's not there when you go to propose. Or you propose successfully and she misplaces it. 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 sock drawer. You can rest assured that's covered, too.

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Your fiancée hits her shiny new ring on the edge of a table and it cracks, or a prong gets caught on a sweater and bent. Accidents happen. We'll cover that.

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Sometimes jewelry just disappears - it could be lost, stolen or hanging in a drainpipe somewhere. You may not be able to explain how, where or when it vanished. 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.

What's not covered?

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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 jewelry 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 heirlooms in your attic, you couldn't file a claim for that.

What Our Policyholders Say


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 engagement rings. 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 jewelry's 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.

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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. 

Already have a quote? Retrieve your saved quote or application.

*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.