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:
- Click on “View Details” beside the policy you want to change
- 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.
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:
- Click on “View Details” beside the policy you’d like to change the address on
- Click on “Update Personal Information”
- 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 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.
What should I do if my coverage lapses?
You can request that your policy be reinstated by calling us at 888-884-2424.