A series of 3 engaged couples happily displaying their engagement rings

Insure it. Wear it.

The safest place for your ring should be on your finger.

Your jewelry is more than metal and stone. It’s personal.

While sentimental value is irreplaceable, a jewelry insurance policy through Jewelers Mutual Group covers the cost of having the item repaired or replaced. Jewelry insurance provides an extra level of care for some of your most cherished possessions.

If the worst happens and you need to submit a claim, you are taken care of by experts who understand jewelry.

How the Jewelry Insurance Experts Compare to the Big Names

Jewelry is typically covered under renters and homeowners insurance policies. But that coverage is not usually enough to cover
the full replacement cost, and even a jewelry-specific rider added to your homeowners policy has its limits.

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

Protecting All Things Jewelry Since 1913

Jewelry insurance is only as good as the company standing behind it. Protect yours with the only insurer in North America solely dedicated to jewelry insurance for over 100 years.

More about our history

What Does Jewelry Insurance Cover?

We provide all types of jewelry insurance, including engagement ring insurance. Watches, earrings, and even loose stones while being set - yep, we cover those too.

No matter the type of jewelry you insure, it'll be protected by our comprehensive repair or replacement coverage. This means that with specialized jewelry insurance, we step in and deal directly with your jeweler of choice in the event of a claim.

Our claim professionals work with your jeweler to make sure your piece is repaired to your satisfaction or replaced with a piece that’s of the same kind and quality as the original.

Plus, your coverage includes worldwide travel.

Loss

You left your ring somewhere—on a beach towel or in a public bathroom. It’s out there somewhere and 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 vanished. Don’t worry, that’s covered.

What Our Policyholders Say

How Much Does Jewelry Insurance Cost?

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.

$72/yr

for a $5,000 ring in Dallas (75043) with a $100 deductible

$38/yr

for a $2,500 chain in Las Vegas (88901) with a $0 deductible

$50/yr

for a $3,000 bracelet in Chicago (60614) with a $0 deductible

$98/yr

for a $7,000 watch in Oakland (94577) with a $100 deductible

$93/yr

for a $5,000 ring in New York (10016) with a $100 deductible

$55/yr

for an $5,000 ring in Toledo (43460) with a $0 deductible

$36/yr

for an $2,500 watch in Orlando (32829) with a $0 deductible

$84/yr

for an $8,000 ring in Seattle (98107) with a $0 deductible

All Things Jewelry Insurance, All in One Place

We’re here to make this choice as easy as possible for you, every step of the way. That’s why we created a free guide to jewelry insurance to help you decide how to best protect your jewelry.

READ THE GUIDE TO JEWELRY INSURANCE