Engagement Ring Insurance 
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Your jewelry is more than metal and stone. It’s personal.

While sentimental value is irreplaceable, an engagement ring insurance policy through Jewelers Mutual Group covers the cost of having the item repaired or replaced. Engagement ring 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 Our Engagement Ring Insurance Compares 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 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 Does Engagement Ring 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.


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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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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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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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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.

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Normal Wear and Tear

Normal wear and tear refers to the gradual wearing or damage that occurs over an extended period of use. We will pay for the following which are caused by normal wear and tear: prong retipping, broken, worn or bent prongs, broken earring posts, clasp replacement, restringing of broken or stretched pearl strands; and stone tightening.* 

*Subject to availability, coverage may not be available on all policies.

What Our Policyholders Say

A woman's hand with an engagement ring

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.

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

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

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

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

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

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

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

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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.