How the Big Names Compare to the Jewelry Insurance Experts
Jewelry is typically covered under renters and homeowners insurance policies. But that coverage is not usually enough to cover the full replacement cost, and even a jewelry-specific rider added to your homeowners policy has its limits.
|See How We Compare||Jewelers Mutual||Typical Homeowners|
|Damage||Not always covered|
|Flood or Earthquake||Not always covered|
|Out-of-Pocket Cost||$0 deductible option||Homeowners deductible applies|
Protecting All Things Jewelry Since 1913
Jewelry insurance is only as good as the company standing behind it. Protect yours with the only insurer in North America solely dedicated to jewelry insurance for over 100 years.
We provide all types of jewelry insurance, including engagement ring insurance. Watches, earrings, and even loose stones while being set - yep, we cover those too.
No matter the type of jewelry you insure, it'll be protected by our comprehensive repair or replacement coverage. Plus, your coverage includes worldwide travel.
You left your ring somewhere—on a beach towel or in a public bathroom. It’s out there somewhere and you can’t find it. It’s covered.
We all know that feeling of dread when something we cherish is stolen. But you can rest assured that your stolen piece is covered, too.
You hit your diamond ring on the edge of a table and it cracks, or you're pulling on a sweater and a prong is bent. Accidents happen. We'll cover that.
Sometimes jewelry just disappears—it could be lost, stolen or hanging out in a drainpipe somewhere. You may not be able to explain how, where or when it vanished. Don’t worry, that’s covered.
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What It Costs
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Rates depend on where you live. But for most people, jewelry insurance costs 1-2% of the value of their jewelry.
For example, a $10,000 ring costs about $100 per year to insure.