Before You Get a Policy
Do you have a sample policy I can review?
Yes. You can review our sample policy to get more detail about specific situations covered, what to do if you lose your jewelry, and how the claims process is settled.
What determines my policy limit?
The documentation you provide. Usually this is an appraisal, sometimes a detailed receipt is acceptable. Whatever value is listed on your jewelry’s documentation is the maximum amount we will pay your jeweler to repair or replace your item. If your jewelry costs more to replace than you have it insured for, you will be responsible for the difference. This is why it’s so important to keep your values up-to-date.
What doesn't a rider to my homeowners' insurance cover?
Depending on your exact policy, a rider may still leave out coverage for mysterious disappearance, one of the most common causes of jewelry loss. A jewelry rider also won't have:
- Assurance that a claim won't affect coverage on your house and everything in it
- The promise to work with your jeweler, the one whom you already know and who knows your jewelry
- Experts who actually know jewelry to help you through the process
What is a deductible and how much will mine be?
A deductible is an amount of money that you have to pay for something before an insurance company replaces the item. When your deductible increases, your premium decreases and vice versa.
With Jewelers Mutual, you choose your deductible, with options starting at $0.
What is a premium?
The amount paid to maintain insurance coverage, typically annually.
How do I find a professional appraiser?
We accept current appraisals or evaluations from any appraiser. We recommend you refer to the American Gem Society or the National Association of Jewelry Appraisers for a list of appraisers by state. These two organizations have their appraisers trained in jewelry appraising.
How do I know if my jewelry is worth insuring?
If you’d be upset if your piece was ever lost, broken or stolen, then it’s valuable enough to insure. The first step is getting a free, no-obligation quote to determine the cost of peace of mind that your precious jewelry is protected.
After You Get a Policy
Protecting personal jewelry since 1953
Founded in 1913, Jewelers Mutual got its start by offering premium service and protection to jewelry stores. We began offering personal jewelry insurance to individuals in 1953 after a suggestion by jewelers to offer the same service and protection to jewelry store customers.