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High End Jewelry Insurance

Specialized for fine jewelry collections worth $250K+

Safeguarding your one-of-a-kind jewelry collection requires an established, financially robust insurer that understands the kind of protection your collection needs. With a legacy and connections spanning over a century in the jewelry insurance industry, you can trust Jewelers Mutual to protect your most valuable pieces. Call us at 800-417-0598 to get started. 

 

Gold diamond bracelet with stones

Exclusive Coverage
for High End Jewelry

Enjoy concierge service as part of our coverage for high end jewelry. In the event of a claim, your jewelry will be repaired or replaced with an item of the same kind and quality. Our claims process involves direct collaboration with your jeweler. For instance, if something would happen to your custom Harry Winston necklace, we will liaise directly with Harry Winston to ensure the replacement is closely matched, preserving the uniqueness of your precious piece.

 

check mark Support

Confidentiality and
Real Human Support

We recognize you may have specialized needs and we prioritize this aspect in our services. Speak directly with our trusted, top-tier agents at 800-417-0598, available Monday through Thursday from 7am to 7pm CT, and Friday from 7am to 6pm CT.

check mark Payment method

Payment
Plans Available

Looking for a more flexible and affordable option? Eligible individuals who meet premium criteria can choose from available payment options.  

check mark Gem certified

Onsite
Certified Experts

Our team includes GIA Graduate Gemologists and AGS Certified Sales Associates and we’re exclusively endorsed by leading authorities in the jewelry industry, ranging from the American Gem Society to Jewelers of America.

 

Our Fine Jewelry Coverage

With a policy from us, feel confident knowing that your expensive jewelry is expertly protected. Our insurance policies cater to your unique needs and defend your jewelry against a wide range of risks, including:

Loss

Losing your jewelry can feel like losing a part of yourself. Whether your piece slipped away during a seaside retreat or was inadvertently left behind at an event, we cover your loss so you can feel whole again.

Theft

It’s easy to feel helpless when your valuable jewelry is stolen from you, but we’re here to help. In the unfortunate event of theft, we'll replace your piece with one of the same kind and quality.

Damage

From a crack in your diamond ring to a broken clasp, accidents happen. Our jewelry insurance will cover that.

Disappearance

Sometimes jewelry just disappears—is it lost, stolen? Who knows? You can’t explain how, where or when it vanished. Don’t worry, that’s covered.

Protection from Natural Disasters

We understand natural disasters can strike at any moment, so our coverage was made for real life. If a flood, tornado, hurricane, or earthquake causes your jewelry to get lost or ruined, you're still covered.

Worldwide Travel

Go ahead. Book that Seychelles cruise or European vacation. Your jewelry is covered globally while traveling.

Inflation Protection

Your jewelry's value has risen due to market changes—fantastic! However, it's currently insured for less than its worth. No worries—we offer a complimentary Insurance Value Adjustment (IVA) service. In case your jewelry appreciates due to inflation or market shifts, we'll adjust its value to help minimize the impact of a potential loss. To ensure the best protection, remember to get updated appraisals for your jewelry. You have the option to decline the IVA service, which is only applied when your item's appraisal is more than two years old at the time of policy renewal.

 

Jewelry Insurance That's Been Trusted for 110 Years

Jewelers Mutual is proud to be the trusted insurance choice of more than 1M jewelry customers and jewelers in the US and Canada. With an A+ Superior Rating from A.M. Best for 37 years as of November 2023, rest assured that we are well-prepared to fulfill financial obligations and uphold commitments to our policyholders when you need to file a claim.

I know this company will be there if ever a need arises for insurance. Their reputation is known, and jewelers recommend them.

Luxury Insurance Customer
Trustpilot Review

You guys make me have a piece of mind when it comes to my jewelry being covered ...always professional and courteous.

Luxury Insurance Customer
Trustpilot Review

Excellent and expeditious!!! Newly engaged but unable to wear my beautiful ring until it was insured. Service at JM was an easy 2-3 days! I waited 2 months from my jeweler to get it set. Wonderful kind and knowledgeable staff!

Taryn
Google Review

 

How We Compare

Home insurance companies may be experts at insuring homes, but protecting jewelry isn't their specialty. When it comes to safeguarding your high value jewelry, selecting a dedicated jewelry insurance policy offers unparalleled advantages for fellow jewelry enthusiasts and collectors.

 

Typical Homeowners

Typical Riders

Loss

Theft

Damage

Not always covered

Not always covered

Disappearance

Flood or Earthquake

Not always covered

Not always covered

Worldwide Travel

Not always covered

Normal Wear and Tear Repairs

Not always covered

Not always covered

Out-of-Pocket Cost

$0 deductible option

Homeowners deductible applies

May have deductible

Homeowners Coverage Has Its Limits

May not cover large schedules

A homeowners policy isn’t made for covering large amounts of expensive or high-value jewelry. Specialized jewelry insurance is the superior choice for helping to ensure that your valuable jewelry collection is protected with a repair or replacement policy. 

May lack comprehensive jewelry protection

Unlike typical homeowners or renters insurance, jewelry insurance provides comprehensive coverage for loss, theft, and damage even during your global travels. 

Claims may impact your premium and renewal 

Filing a jewelry insurance claim through your homeowners insurance may result in an unwelcome premium increase or even the cancellation or non-renewal of your entire policy. A dedicated jewelry insurance policy ensures that claims won't impact your homeowners policy. 

Learn more about the differences between jewelry insurance and a standard homeowners policy. 

Luxury home with pool in mountains

Our Easy and Efficient Process

 

1

Check your Rate; Apply

Click on "Check your rate" and complete your application in just a few minutes.

For 10+ item collections, call our exclusive line at 800-417-0598 for guidance from our skilled customer care team, available Monday-Thursday from 7am-7pm and Friday from 7am-6pm CST.

 
 

2

Underwriting Review

All applications are subject to underwriting review and additional requirements may be requested before coverage can be issued.

Rest assured, your appraisals and images will be securely stored, enabling us to repair or replace your items with the same kind and quality in the event of a claim.

 
 

3

Wear it with Confidence

Feel empowered to wear your favorite pieces, whenever and wherever you please.

In the event of a claim, we’ll handle the leg work, partnering with your jeweler of choice to repair or replace with the same kind and quality. Your claim will be started quickly, typically within a few business days.