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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 checkmark X symbol
Theft checkmark checkmark
Damage checkmark Not always covered
Disappearance checkmark X symbol
Flood or Earthquake checkmark Not always covered
Worldwide Travel checkmark checkmark
Out-of-Pocket Cost $0 deductible option Homeowners deductible applies
Effects of Claims
 
Insuring your jewelry with a standalone policy protects your home insurance from the effects of a claim.
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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.

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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.

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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.

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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.

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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

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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.

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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.

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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.

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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.

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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.

Get Pricing

*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.

Download your guide