
Guide to Jewelry
Insurance
Your jewelry isn't ordinary, so don't settle for ordinary insurance.
Accidental Loss
You left your ring somewhere – on a beach towel or in a public bathroom. It’s out there somewhere but 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 happened. Don’t worry, that’s covered.
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.
Worldwide Travel
We are available to residents in the United States and Canada*. While the home address of both the jewelry wearer and applicant need to be in the United States or Canada*, our coverage does travel with you worldwide. You can jet-set across the globe and not have to worry about wearing your favorite jewelry.
*Coverage not available in Québec.
Loose Stones
Our policy also covers loose stones, including while they are being set by your jeweler. This coverage is not found in all insurance policies.
War & Authority
Loss or damage due to war, military action, nuclear hazard or confiscation by civil authority, like law enforcement or other government entities, is not covered.
Deterioration or Inherent Vice
If the piece is already weak or faulty, and that weakness causes it to break or get damaged, it’s not covered. For example, if there are tiny holes in a metal ring and those holes cause it break or fall apart.
Critters
Damage from vermin, rodents or insects isn’t covered. So if a moth infestation affects the heirloom jewelry in your attic, you couldn’t file a claim for that.
Intentional Actions
Purposely damaging or losing your jewelry won’t be covered. Fraud associated with voluntary parting isn’t either. If you sell your watch and the check bounces, that’s not included.

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 |

Jewelry Insurance Cost
You just bought brand new, sparkly jewelry. So, naturally, you're super excited to talk about insurance, right? Yeah, that's what we thought. But, it's really important. And it's not as expensive as everyone thinks it is.
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

2
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.
3
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!)
4
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!
Proof of Ownership
Any documentation, like a receipt, appraisal or dated photo of the jewelry, that proves it's yours.
Written Statement
A short statement explaining what happened, including a list of damage if your jewelry wasn't lost or stolen entirely.
Police Report (in select cases)
A police report, depending on the jewelry and how it was lost or stolen. We'll let you know if it's needed.
Claims Satisfaction
Jewelers Mutual has an excellent track record of servicing and paying claims quickly, with more than 95% of responding customers rating themselves as “highly satisfied” with their experience and the outcome.

We work with your jeweler.
You know how many insurance companies have a network of providers for you to choose from? Jewelry insurance carriers may also have specific jewelry repair or replacement companies you are required to work with.
Choose your jeweler.
We understand the important relationship you have with your jeweler. We don’t want to come between that, which is why we work directly with your jeweler of choice.
You’re also much more likely to get a same kind and quality replacement from the jeweler who sold you the original piece. After all, they know it best!
Multiple estimates not required.
It is also common for many insurance companies to require multiple estimates before covering a repair or replacement cost. Jewelers Mutual does not require more than one estimate. Your choice of jeweler will be the one we work with, period.
Why Jewelers Mutual?
Jewelers Mutual is the only insurer in North America solely dedicated to jewelry insurance for over 100 years.
We don't insure cars or houses or fancy purebred dogs. We insure jewelry and only jewelry.
We are the jewelry insurance experts.
We’re obsessed with jewelry.
Our staff includes GIA Graduate Gemologists, AGS Certified Gemologists and experience in the jewelry industry. When we say we’re jewelry experts, we mean it.
You choose your own jeweler.
When it’s time for repair or replacement, we work with your trusted jeweler. We don’t pick one for you (but we can help you find one).
We cover worldwide travel.
While coverage is only available to residents of the US and Canada, you can travel worldwide without worry. Because who doesn’t have a little wanderlust in them?
Hassle free claims experience.
In the unfortunate event you suffer jewelry damage or loss, you can expect a fast, professional, compassionate repair or replacement experience.
We probably cover more than your homeowners or renters insurance.
Most homeowners policies don’t cover loss, disappearance, damage, earthquakes, or floods. Get comprehensive coverage with a standalone policy that won’t leave you hanging.
We're not nearly as expensive as you might think.
Jewelry insurance rates depend on several factors – including where you live – but in many cases, annual coverage could cost roughly 1-2% of your jewelry’s value.
A claim won’t make your homeowners or renters insurance rates go up.
If your jewelry is only covered under your homeowners or renters insurance, and you file a claim with them, your rate could go up for your entire homeowners or renters policy.
Experience
While it seems a lot of people claim to be experts these days, we can say with confidence we are the only insurer in North America solely dedicated to jewelry insurance for over 100 years.
Education
Not only do we have the experience, we have the education, too. We employ both GIA Graduate Gemologists and AGS Certified Gemologists, plus many staff members have experience in the jewelry industry.
GIA Graduate Gemologist
The Graduate Gemologist program through the Gemological Institute of America teaches both technical expertise and practical skills to evaluate gemstones by the 4Cs, the International Diamond Grading System™, and the Colored Stone Grading System.
AGS Certified Gemologist
A Certified Gemologist has taken advanced studies in diamonds and colored gemstones through the American Gem Society, and demonstrates mastery of diamond, gemstone, and precious metal testing procedures.
Devastated about the sentimental loss?
Afraid to wear my other uninsured jewelry?
Unable to cover the cost to replace it?
Subjected to coverage limits with my current insurance?
Forced to work with a jewelry replacement company and not my preferred jeweler?
Worried about having to settle for a replacement of lesser quality than the original?
At risk of having my insurance rates go up?
Your jewelry is worth insuring.
If you're worried about losing your jewelry, coverage options with your current insurance or even theft, you’re an excellent fit for the Jewelers Mutual family. Get a free quote in under a minute, even on mobile.