Dedicated Jewelry Insurance

 

 

Wear your jewelry worry-free with insurance from Jewelers Mutual, 
trusted for over 110 years.

What types of jewelry are covered?

 

Rings

Engagement, diamond, wedding ring insurance

Protect my ring(s)

Watches

Insurance for luxury watches and watch collections

Protect my timepiece(s)

High-end jewelry pieces

Insurance for your earrings, necklaces & more

Protect my jewelry

What's covered?

With a policy from us, you get protection from almost every imaginable risk life may throw at your jewelry, typically for 1-2% of its value.

Over a million people trust us3

The wife and I had no idea we could insure her ring separate from our household things. We were made aware of this by our Geico rep. Simple, easy and inexpensive. Thanks Geico.

Bobby B.

Pleasant people answer the phones, not machines. They quickly get you to the person you need to speak to, not a voicemail. Their rates are extremely competitive. What more could you ask for from an insurance company?

Mel L.

I've had this company for over 20 years. Whenever an item was lost or needed to be replaced or repaired they did so without any problems.

Belinda

I've had this company for over 20 years. Whenever an item was lost or needed to be replaced or repaired they did so without any problems.

Estefania M.

It was easy to fill out the application. I was happy to get a discount because we have a home security system. I will probably never need this insurance but it does give me piece of mind!

Linda

Fantastic and easy experience that provides me enormous peace of mind at an affordable price.

Sean J.

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See how we compare

Coverage*/Feature Typical Homeowners/
Renters Insurance 		Typical Riders
Loss
Theft
Damage Not always covered Not always covered
Disappearance
Natural disasters Not always covered Not always covered
Worldwide travel Not always covered
Preventive
maintenance 		Not always covered Not always covered
$0 Deductible option Homeowners / Renters
deductible applies 		May have a deductible

What will it cost me? 

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.

$260/yr

for a $20,000 pair of rings in Phoenix (85003) with a $0 deductible

$70/yr

for a $6,000 ring in Denver (80202) with a $100 deductible

$101/yr

for a $7,500 watch in Albany (12204) with a $250 deductible

$68/yr

for a $5,000 pair of earrings in Jacksonville (32202) with a $0 deductible

Advantages of Jewelers Mutual Insurance

brc_how-to-save-time-shipping-jewelry.svg
Choose your deductible, as low as $0

Choose a deductible that fits your budget, as low as $0. 4 discounts may be available if you have a home alarm, store your jewelry in a safe deposit box, or possess a diamond grading report from an approved company.*

*Must be approved by underwriting.

Ring in the Shop
Repair or replacement coverage

Get your jewelry repaired or replaced with a new item that’s of the same kind and quality as the original, up to your applicable policy limit.

Jeweler mounting a diamond in a ring
Work with your trusted jeweler

We work directly with your trusted jeweler of choice, not a generic third party, in the event of a claim to provide a highly rated, smooth experience

5 risks of relying on Homeowners Insurance to protect your jewelry

  1. Homeowner or renter insurance may not provide enough coverage for jewelry that is accidentally lost or damaged, including during worldwide travel.
  2. A typical homeowner policy could have a deductible of $500 and could only cover up to $1,500 of jewelry for certain types of losses. This could leave you with only $1,000 of coverage if you file a claim.
  3. Filing a jewelry claim could raise the premium, or in some cases, cancel/non-renew your entire homeowner policy.
  4. In the event of a claim, some homeowner insurance policies require you to work directly with a designated jeweler in their network, not your jeweler of choice.
  5. Home insurance companies may be experts at insuring homes, but protecting jewelry isn’t always their specialty.

 

Learn more about the differences between jewelry insurance vs homeowners.

How to get jewelry coverage

1

Get a quote

It takes 30 seconds to find out how affordable jewelry insurance is. If you have multiple jewelry pieces, you can check your rate for all of them, AND you can do it right now!

2

Apply online, pay instantly

Completing an online application is fast and easy. If you want to talk to a real person, give us a call at 888-884-2424.

3

Wear it with confidence

Once you’re approved, wear your jewelry with confidence, whenever and wherever you want!*

Frequently asked questions

*The information above provides general descriptions that are a brief summary of coverage that may apply to your policy. Coverage options may vary by state and product, and some exclusions or limitations may apply. For a complete understanding, please review your policy contract.

Sources:

  1. Jewelers Mutual Group: 3 Common Places for Jewelry Theft
  2. Jewelers Mutual Group: Evaluating claims data since 2017
  3. Jewelers Mutual Group: 2022 policyholder data in the U.S. and Canada
  4. Subject to Underwriting review and approval

© 2026 Jewelers Mutual Group - All Rights Reserved

Insurance coverage is subject to underwriting review and approval, and to the actual policy terms and conditions. Any descriptions are a brief summary of coverage and are not part of any policies, nor a substitute for the actual policy language. Coverage options may vary by state and by product. Exclusions and limitations may apply.

Insurance coverage is offered by a member insurer of the Jewelers Mutual Group, either Jewelers Mutual Insurance Company, SI (a stock insurer) or JM Specialty Insurance Company, or otherwise via other carriers through JM Insurance Agency Partners, Inc. Policyholders of Jewelers Mutual Insurance Company, SI and JM Specialty Insurance Company are members of Jewelers Mutual Holding Company.