When your jewelry is damaged, lost or stolen, all you want is to get it back, just the way it was. To help us get you there as fast as possible, prepare the following before you start your claim. If any additional documentation is needed, your claims representative will let you know.
Proof of Ownership
Any documentation, like a receipt, appraisal or dated photo of the jewelry, that proves it's yours.
A short statement explaining what happened, including a list of damage if your jewelry wasn't lost or stolen entirely.
A police report, depending on the jewelry and how it was lost or stolen. We'll let you know if it's needed.
How It All Works
Our goal is to repair or replace your jewelry with same kind and quality as fast as possible. We partner directly with your jeweler to handle the repair or replacement and the transaction. Here's what the process typically looks like:
COVID-19 and Your Claim
If you need to submit a claim or have a claim in progress, we ask for your patience during this difficult time. We are working hard to limit disruptions to our policyholders.
Many jewelers have been mandated to shut down due to shelter-in-place orders intended to slow the spread of COVID-19. This may cause a delay by your jeweler to fulfill claim-related work.
We will work with you to ensure we have all necessary information to start your claim and proceed as quickly as possible when your jeweler reopens. Thank you for your understanding.
Choose a Jeweler
Choose a jeweler to repair or replace your item.
Once you get the okay from us, head to your jeweler. If you're not sure who to use, we can help find a jeweler near you.
Pay Your Deductible
If your policy has a deductible, pay that amount to your jeweler.
The jeweler will bill us for the rest. (If you have a $0 deductible, and the cost of replacement isn't more than you insured yours for, you pay nothing. All you have to do is pick up your jewelry, good as new!)
Insure Your Replacement Jewelry
If your jewelry was replaced entirely, we'll help you add that to your policy.
If your jewelry was simply repaired back to its original state, there's nothing more for you to do!
4.89 out of 5 stars
Claims Satisfaction Rate
Jewelers Mutual customers who have experienced a claim give the process 4.89 out of 5 stars. According to a survey conducted by Jewelers Mutual from January 9, 2017 through November 27, 2017.
Insurance Coverage When I Lost My Ring
Vallie first noticed that her wedding band was missing when her and her fiancé were packing to leave for their wedding. She worked with Jewelers Mutual to file a claim and replace the ring.