Jewelry insurance from
actual jewelry experts.
Your jewelry is more than metal and stone. It’s personal.
While sentimental value is irreplaceable, a jewelry insurance policy through Jewelers Mutual Group covers the cost of having the item repaired or replaced. Jewelry insurance provides an extra level of care for some of your most cherished possessions.
If the worst happens and you need to submit a claim, you are taken care of by experts who understand jewelry.
How the Jewelry Insurance Experts Compare to the Big Names
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 Group | Typical Homeowners | Typical Rider |
|---|---|---|---|
| Loss |  |
 |
|
| Theft | |
|
|
| Damage | |
Not always covered | Not always covered |
| Disappearance | |
|
|
| Flood or Earthquake | |
Not always covered | Not always covered |
| Worldwide Travel | |
|
|
| Out-of-Pocket Cost | $0 deductible option | Homeowners deductible applies | May have a deductible |
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 Does Jewelry Insurance Cover?
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. This means that with specialized jewelry insurance, we step in and deal directly with your jeweler of choice in the event of a claim.
Our claim professionals work with your jeweler to make sure your piece is repaired to your satisfaction or replaced with a piece that’s of the same kind and quality as the original.
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 Much Does Jewelry Insurance Cost?
Insuring jewelry through Jewelers Mutual typically costs you 1-2% of the jewelry’s value, per year.
There are multiple factors that determine the cost, including where you live. For example, take a look at these various locations and example premiums.
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 guide to jewelry insurance to help you decide how to best protect your jewelry