Engagement Ring Insurance
backed by 11,000+ 5-Star Reviews
Loss
Losing your wedding ring can feel like losing a part of yourself. Whether it fell off at the beach or was left in a public restroom, we cover your loss so you can feel whole again.
Theft
It’s easy to feel helpless when your ring is stolen from you, but we’re here to help. In the unfortunate event of ring theft, we’ll replace your ring with a ring of the same kind and quality.
Damage
You hit your diamond ring on the edge of a countertop, and it cracks, or a prong is bent from getting caught on something. Accidents happen. We'll cover that.
Disappearance
Sometimes a ring just disappears—is it lost, stolen? Who knows? You can’t explain how, where or when it vanished. Don’t worry, that’s covered.
Protection from Natural Disasters
We understand natural disasters can strike at any moment, but our coverage was made for real life. If a flood, tornado, hurricane or earthquake causes your ring to get lost or ruined, you're still covered.
Worldwide Travel
Go ahead. Book that Caribbean cruise or European vacation. You’re covered globally while traveling.
Inflation Protection
Your ring's value has risen due to market changes—fantastic! However, it's currently insured for less than its worth. No worries—we offer a complimentary Insurance Value Adjustment (IVA) service. In case your ring appreciates due to inflation or market shifts, we'll adjust its value to help minimize the impact of a potential loss. To ensure the best protection, remember to get updated appraisals for your jewelry. You have the option to decline the IVA service, which is only applied when your item's appraisal is more than two years old at the time of policy renewal.
Normal Wear and Tear
Normal wear and tear refers to the gradual wearing or damage that occurs over an extended period of use, such as needing to retip a prong or tighten a stone.
We Don't Cover
There are a few unusual situations we don't cover, including war and military action, rodent and pest infestation, intentional actions or voluntary parting, deterioration, resizing, cleaning and inspections.
It was easy to get a quote for my engagement ring, and I was surprised by how affordable a deductible policy was. I was able to sign up and get coverage for my new ring right away so I could wear it with confidence!
Sydney F.
Trustpilot Review
Simple, fast, and affordable! Applied for and received a quote the same day. I was only asked a few simple questions, and uploaded the receipt for my fiancé’s engagement ring. I would recommend to anyone.
Sean R.
Trustpilot Review
Jewelers Mutual Insurance was highly recommended by my Jeweler upon the purchase of our engagement ring. The process and application were very easy. Gives you peace of mind to know your investment is protected.
Danny G.
Trustpilot Review
for a $8,000 ring in Dallas (75043) with a $0 deductible
for a $4,000 ring in Seattle (98107) with a $0 deductible
for a $10,000 ring in Albany (12204) with a $100 deductible
for a $6,000 ring in Chicago (60614) with a $0 deductible
Engagement Ring Insurance Is Worth It If…
- You wear your ring often or worry about wearing it
- You’d be devastated by its sentimental loss
- Your ring is valued at $1,500 or more
- You're unable to cover the cost to replace it
- Your ring has a design that could be easily damaged
- Your ring's value increases over time
- You travel often or are planning to go on a trip
- You don't want to settle for a replacement of lesser quality than the original
said their engagement ring is in the top three most expensive things they owned *
would be very upset if something happened to their ring and it wasn’t insured *
How to Insure a Ring
1
Check your rate
Click “check your price” and apply online in under 5 minutes.
Have your appraisal or receipt on hand to make applying a breeze.
2
Apply online, pay instantly
Completing an online application is fast and easy. If you’d like to speak with a real person, give us a call at 888-884-2424.
All applications are subject to underwriting review and additional requirements may be requested before coverage can be issued. However, in many cases, same-day coverage is possible!
3
Wear it with confidence
Once you’re approved, wear your jewelry with confidence, whenever and wherever you want!
If you need to file a claim, we work with your trusted jeweler to get your ring good as new.
Waiting until it’s too late
Accidents are bound to happen. It’s important for the ring purchaser or wearer to insure the ring right after purchase to ensure it’s protected.
Confusing a warranty with insurance
While a ring’s warranty likely covers manufacturing defects, such as structural issues like an improperly placed prong, it doesn’t safeguard against real-world risks like accidental damage, theft, or loss as jewelry insurance does.
Underestimating your ring’s value
Given your ring will typically increase in value, we recommend getting an appraisal every 2 years. This helps prevent being underinsured and potential out-of-pocket expenses in case of loss.
Adding jewelry to your renters or homeowners policy
It's a widespread misconception that insuring your jewelry through your homeowners or renters policy is the best option. These policies usually provide limited coverage, often between $1,000 to $2,500. Additionally, they may not cover common risks such as loss or damage to your jewelry.
Leaving your lab grown diamond uninsured
The main difference between lab grown and natural diamonds is where they came from. If your diamond goes missing, you're saying goodbye to a significant amount of money.
