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A newly engaged couple embracing

Jewelry insurance from
actual jewelry experts.

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 Typical Rider
Loss checkmark X symbol checkmark
Theft checkmark checkmark checkmark
Damage checkmark Not always covered Not always covered
Disappearance checkmark X symbol checkmark
Flood or Earthquake checkmark Not always covered Not always covered
Worldwide Travel checkmark checkmark checkmark
Out-of-Pocket Cost $0 deductible option Homeowners deductible applies May have a deductible
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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

A woman's hand with an engagement ring

What It Costs

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$72/yr

for a $5,000 ring in Dallas (75043) with a $100 deductible

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$38/yr

for a $2,500 chain in Las Vegas (88901) with a $0 deductible

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$50/yr

for a $3,000 bracelet in Chicago (60614) with a $0 deductible

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$98/yr

for a $7,000 watch in Oakland (94577) with a $100 deductible

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$93/yr

for a $5,000 ring in New York (10016) with a $100 deductible

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$55/yr

for an $5,000 ring in Toledo (43460) with a $0 deductible

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$36/yr

for an $2,500 watch in Orlando (32829) with a $0 deductible

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$84/yr

for an $8,000 ring in Seattle (98107) with a $0 deductible

an engaged couple kissing

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.