FAQ: My policy
How do I enroll in autopay?
Auto pay is an easy and secure way to renew your policy, and can be accomplished in just a few quick steps.
- Log in to the online account you created after purchasing your policy
Not registered yet? Click “Sign Up Now” and enter your name, account/policy number, and zip code
- Go to "Pay My Premium" in the left-hand navigation menu
- Click on "AutoPay" -- located under the “Make a Payment” and “Manage Wallet” buttons
- Follow on-screen prompts, which include adding a credit card or bank account information
Once you make your online payment, a "Thank you" screen confirms you are enrolled in Auto Pay. You will be notified in advance of each payment and can always cancel or change payment information.
For additional assistance, please call us at 844-517-0556.
How do I know if I have enough coverage?
The best way to ensure you have the right amount of coverage is to reach out to your jeweler to discuss your jewelry’s value and get it re-appraised if needed.
Once you have a new appraisal, it’s easy to update your policy. Simply upload the document to your account here, or email us a copy at [email protected]. We'll adjust coverage amounts based on the appraised values you provide.
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.
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:
- 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 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! The market value of your ring will likely change over time. The prices of metals and stones (including diamonds) typically increase due to economic conditions like inflation, which can raise the overall value of your ring.
It’s possible your ring is worth more today than the amount you insured it for, which is why we strongly recommend obtaining an updated appraisal from your jeweler every two years. This allows you to increase your coverage limits, if needed, to avoid paying out-of-pocket in the event of a loss.
You can upload an updated appraisal to your account here, or email us a copy at [email protected]. Our Customer Care Team will take it from there.
If you decide not to get your item re-appraised, Jewelers Mutual offers a value-added service called an “Insurance Value Adjustment" (listed as “IVA” on your policy) which adjusts your coverage limits based on an estimate of what it would cost to repair or replace your ring in today’s market.
While we do our best to determine the right amount of protection in a changing marketplace, it still may not be enough. Some states even limit the amount of IVA we can apply in a year. That’s why we encourage you to consult with your jeweler, even after an IVA is applied, to determine your item’s value.
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.