Jewelry insurance from actual jewelry experts.
What will it cost me?How the Big Names Compare to the 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 |
|---|---|---|
| Loss |  |
 |
| Theft | |
|
| Damage | |
Not always covered |
| Disappearance | |
|
| Flood or Earthquake | |
Not always covered |
| Worldwide Travel | |
|
| 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.
What's Covered
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.
Loss
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.
Theft
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.
Damage
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.
Disappearance
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.
What Our Policyholders Say
How It All Works
1
Estimate Your Rate
Tell us what you need to insure, how much it’s worth, and where you live and estimate your rate (with different options for deductibles) in less than one minute.
2
Apply For Coverage
Tell us a bit more about yourself and your jewelry and, in most cases, your coverage starts immediately. If someone else actually wears the jewelry, tell us about them too.
3
Wear Your Jewelry, Worry Free
Rest assured that your jewelry is protected. And if something does happen, you’ll get to work directly with your jeweler to repair or replace your piece, exactly like it was before.
4
File a Claim
This is where you tell us what happened. And also when we start to do things a little differently than most insurers.
for a $5,000 ring in Dallas (75043) with a $100 deductible
for a $2,500 chain in Las Vegas (88901) with a $0 deductible
for a $3,000 bracelet in Chicago (60614) with a $0 deductible
for a $7,000 watch in Oakland (94577) with a $100 deductible
for a $5,000 ring in New York (10016) with a $100 deductible
for an $5,000 ring in Toledo (43460) with a $0 deductible
for an $2,500 watch in Orlando (32829) with a $0 deductible
for an $8,000 ring in Seattle (98107) with a $0 deductible
Check Your Rate
Estimate your rate in less than one minute. Just tell us what you need to insure, how much it’s worth and your zip/postal code.
No personal information needed.
Already have a quote? Retrieve your saved quote or application.
*Coverage not available in Quebec
All Things Jewelry Insurance, All in One Place
We’re here to make this choice as easy as possible for you, every step of the way. That’s why we created a free, downloadable Buyer’s Guide to help you decide how to best protect your jewelry.