How To Insure Jewelry
Everything you need to know to confidently protect your jewelry
You've received or purchased a beautiful piece of jewelry that represents love, achievement, or a special milestone.
Now, you've reached a pivotal point – how to protect its significance beyond just metal and stones. But where do you start?
Coverage
Typical Homeowners
Typical Riders
Loss
Theft
Damage
Not always covered
Not always covered
Disappearance
Flood or Earthquake
Not always covered
Not always covered
Worldwide Travel
Not always covered
Normal Wear and Tear Repairs
Not always covered
Not always covered
Out-of-Pocket Cost
$0 deductible option
Homeowners deductible applies
May have deductible
Is jewelry insurance worth it?
Ask yourself, if my jewelry disappeared today, would I be...
- Heartbroken over the sentimental loss?
- Afraid to wear my other uninsured pieces?
- Unable to afford the replacement cost?
- Restricted by my existing insurance coverage?
- Forced to use a replacement company instead of my trusted jeweler?
- Worried about accepting a lower-quality replacement?
- Concerned about my insurance premium increasing?
If you answered yes to any of the questions above and your jewelry is valued at over $1,500, then dedicated jewelry insurance from Jewelers Mutual is your best choice for comprehensive protection.
When should I get jewelry insurance?
We recommend getting jewelry insurance as soon as you purchase your jewelry. Accidents can occur unexpectedly, and having coverage in place provides immediate protection.
What distinguishes jewelry insurance from a warranty?
Jewelry insurance is not the same as a warranty. A warranty typically gives you protection against manufacturing flaws or defects. A Jewelers Mutual insurance policy protects you against loss, theft, accidental damage and more.