Over
12,000+
5-Star reviews on
As of Nov 2025, JMIC, SI earned an
A+
Superior Rating from A.M. Best for the 39th year in a row, highlighting our financial strength and reliability to pay claims
Over
1,000,000+
customers insured
Chosen by some of the nation's largest home and auto insurers to safeguard their customers' jewelry
Adding jewelry to your renters or homeowners policy
Homeowners policies typically provide limited coverage for jewelry, often between $1,000 to $2,500. They also may not cover common risks such as loss or damage.
Not insuring your lab-grown diamond ring
The main difference between lab grown and natural diamonds is how they’re grown (one grows underground and one is grown in a laboratory). If you don’t insure your lab-grown diamond and it goes missing or incurs damage, it will be pricey to replace it.
Waiting to insure a ring
Accidents happen, sometimes when you least expect them.
Confusing a warranty with insurance
A ring’s warranty may cover manufacturing defects, such as issues with an improperly placed prong, but it doesn’t protect against real-world risks like accidental damage, theft, or loss—that’s where jewelry insurance comes in.
Underestimating your ring’s value
Made of precious metals and gemstones, rings typically increase in value, so we recommend getting an appraisal every two years. This helps prevent being underinsured and potential out-of-pocket expenses in case of loss.
You wear or rely on your ring daily
You wear your ring often.
You worry about losing or damaging it.
You’d be devastated if it were lost.
Your lifestyle puts your ring at risk
- You travel often or have an upcoming trip.
- It has a delicate design that’s prone to damage.
- You want the option to replace it with one of equal quality if something happens.
Your ring represents a significant investment
- It’s valued at $1,500 or more.
- You couldn’t easily afford to replace it.
- You believe its value will increase over time.
Did you know?
Engagement rings are the third most expensive item consumers own, after their home and vehicle.***
Read: 2 min
Non-diamond engagement rings
Non-diamond engagement rings offer stunning, meaningful alternatives for those seeking something unique and personal.
Read: 5 min
What makes an old mine cut diamond special?
Old mine cut diamonds are antique gems known for their romantic charm, hand-cut facets, and vintage appeal.
Read: 6 min
Different types of engagement ring settings
Understanding engagement ring settings helps you choose a style that fits your stone, lifestyle, and personal taste.
*The information above provides general descriptions of coverage that may or may not apply to your policy. Coverage options may vary by state and product, and some exclusions or limitations may apply. Please review your policy contract for specific details
**This complimentary service, called Insurance Value Adjustment (IVA), is optional, and you may decline it.
***Source: Jewelers Mutual 2024 Engagement Ring Study