Frequently Asked Questions

FAQ: My Policy

How do I add, remove or update an item on my policy?

You can add a new item or change the value of items on your policy by logging into your online account. You may have created an online account at the time you applied for insurance. If not, you’ll need to register for online account access. 

Once you’re logged in: 

  1. Click on “View Details” beside the policy you want to change
  2. Click on “Add/Update Jewelry” and choose whether you’d like to add a new item or update an item that’s already on your policy 

If you update the value of your item, your premium (the amount you pay each year) will change. You’ll be able to get a new quote at that time.

If you need to remove an item on your policy or you have made major changes to an item, please call us at 888-884-2424 or email us to update your policy.

How do I update my address?

You can update your address by logging into your online account. You may have created an online account at the time you applied for insurance. If not, you’ll need to register for online account access.

Once you’re logged in: 

  1. Click on “View Details” beside the policy you’d like to change the address on
  2. Click on “Update Personal Information”
  3. Change your address and click “Save”

Changing your address may affect your premium (the amount you pay each year) because your rate depends on where you live.  

How can I change my deductible?

Contact us at 888-884-2424 or [email protected] to change your deductible.

How do I cancel my policy?

You can cancel your policy any time by calling us at 888-884-2424.

Is there anything I need to do after my jewelry is insured?

Nope! As long as you've sent us any documentation we asked for, like an appraisal or sales receipt, and paid your premium, your coverage has started. We’ll be in touch 30 days before your policy expires to remind you to renew.  

We recommend professional cleanings and inspections twice a year, but they're not required (and they're not covered by your policy). In between professional cleanings, keep your jewelry clean with our at-home cleaning and care tips.

Will my ring change in value over time?

Yes! Many people believe that jewelry depreciates in value, but your item is probably worth more now than when you purchased it. That's why we recommend getting an updated appraisal every two years.

The market value of your jewelry changes over time, while the amount you’ve insured it for stays the same if you don’t send us an updated appraisal.

Jewelers Mutual Group specializes in jewelry and understands the jewelry market. If we don’t have a recent appraisal on file, there’s a system in place to help make sure your coverage reflects changes in market values. You might see this listed as "Insurance Value Adjustment" or "IVA" on your policy. It's basically a yearly percentage increase in your coverage limit (and your premium) that's meant to keep you from being underinsured.

Read our complete guide to jewelry insurance.

What should I do if my coverage lapses?

You can request that your policy be reinstated by calling us at 888-884-2424.

How do I make a payment?

You can make a payment using Quick Bill Pay (no password required), by logging into your online account, or by calling us at 888-884-2424.

Where do I find my policy number?

Your policy number can be found on your policy paperwork. If you’re signed up for paperless delivery, you can view your policy documents by logging into your online account. You can also call us at 888-884-2424.