Frequently Asked Questions

Is my jewelry covered when I travel worldwide?

Yes – you’re covered when you travel if it’s a covered type of loss (see “What’s Covered?”). But your primary home must be within the US or Canada (excluding Québec).

What does my policy cover?

Your personal jewelry policy covers the jewelry item(s) listed on your policy. If you give the jewelry to someone else, like your fiancé, it's still covered. You'll need to make sure you list that person as the "jewelry wearer" on your policy, though. When you apply for insurance, you tell us who the jewelry wearer is, but you can change it at any time.

Your jewelry policy is an "all perils" policy, which is just a fancy way of saying that all loss, theft, damage or disappearance is covered unless we have specifically said we won't cover it. If it's not listed below, it's covered.

How much should I insure my item for?

Your policy with Jewelers Mutual Group is a repair or replacement policy. It’s not a cash reimbursement policy.

The item value you choose when applying for insurance is the highest amount we will pay for your repair or replacement in the event of a loss. It's very important to get it right. That's why you might see us refer to this as the "replacement value" – because you want to choose a value that will cover you if your item needs to be replaced.

In most cases, this is the amount you see on an appraisal or detailed sales receipt from your jeweler. If you’re unsure which value to choose, please call us at 888-884-2424 for help.