Wear your jewelry worry-free with insurance from Jewelers Mutual, trusted for over 110 years.
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.
You can trace it back— your bracelet slipped off at the dog park. You can point to the moment it went missing, and you’re covered.
In the event of a robbery, we’ll make you whole again with an item that’s the same kind and quality.
Slam, smash, ding. Jewelry has accidents, too. We cover those.
Your earrings are gone, and you have no clue how or when it happened. No explanation, just missing. That’s covered too.*
If your jewelry gets damaged in a flood, tornado, hurricane, or earthquake, you’re covered for its repair or replacement.
Your jewelry is covered globally while traveling.
If your appraisal is over two years old at renewal, we automatically adjust coverage limits every two years to help keep up with rising jewelry values.**
We cover proactive jewelry care, including prong re-tipping and repair, stone tightening, earring post and clasp replacement.*
Loss or damage of items due to war or military action, rodent and pest infestation, intentional actions or voluntary parting, deterioration, resizing, cleaning and inspections.
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.
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
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.
Fantastic and easy experience that provides me enormous peace of mind at an affordable price.
Sean J.
| Coverage*/Feature |
Typical Homeowners/ Renters Insurance |
Typical Riders
Optional add-on to Homeowners
Insurance |
|
|---|---|---|---|
| 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 |
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.
for a $20,000 pair of rings in Phoenix (85003) with a $0 deductible
for a $6,000 ring in Denver (80202) with a $100 deductible
for a $7,500 watch in Albany (12204) with a $250 deductible
for a $5,000 pair of earrings in Jacksonville (32202) with a $0 deductible
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.
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.
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
Learn more about the differences between jewelry insurance vs homeowners.
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!
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.
Once you’re approved, wear your jewelry with confidence, whenever and wherever you want!*
Your actual policy language may vary from the sample provided due to your geographic location and the underwriting company issuing your policy. For more information, please contact 888-884-2424.
A deductible is the amount of money you pay out-of-pocket when you file an insurance claim. Jewelers Mutual offers flexible deductible options starting at $0, $100, $250 and $500. Keep in mind that the higher your deductible, the lower your premium and vice versa.4
A premium is the amount you pay to maintain your insurance coverage. You pay this portion regardless of whether you file a claim or not.
You can choose your policy’s coverage limits based on the purchase price or appraised value of your jewelry items.
No. You can insure as many pieces of jewelry as you’d like. Check your rate for each piece now. If you have more than 20 pieces, it’s easier to call us at 888-884-2424 so we can talk through the value of your entire collection.
A jewelry appraisal is a document that states how much a particular piece of jewelry is worth. You can get an appraisal by bringing your item to your jeweler of choice or any other trusted appraiser.
If you’re not sure where to get a jewelry appraisal, we recommend the American Gem Society and the National Association of Jewelry Appraisers to see a list of appraisers by state.
We strongly recommend you submit an updated appraisal, evaluation, or detailed receipt when submitting your application. This helps Jewelers Mutual and your jeweler work together more efficiently to find a replacement of the same kind and quality as the original jewelry item.
You will want to keep your jewelry's value (and insured amount) up to date, so we also recommend sending us an updated appraisal every two years or even more frequently as market values can fluctuate greatly for certain jewelry types. Otherwise, if you lose your jewelry and your appraisal value is from five years ago, you might not have enough coverage to replace your item with the same kind and quality.
An “Insurance Value Adjustment" (listed as "IVA" on your policy) is a value-added service offered by Jewelers Mutual that is meant to help you avoid being underinsured if your jewelry ever rises in value. This service is available to policyholders who choose not to obtain an updated appraisal every two years.
The way it works is we apply an annual percentage *increase to your coverage limits based on an estimate of what it would cost to repair or replace your jewelry in today’s market.
While Jewelers Mutual does its best to determine the appropriate amount of coverage you may need in the event of a loss, it’s still possible it won’t be enough to cover the full replacement value of your item. In this unfortunate circumstance, you’d be responsible for paying the difference between your coverage limit and the actual repair or replacement value.
Therefore, we strongly encourage you to consult with your jeweler, even after an IVA is applied, to determine your item’s value. If you discover your coverage is inadequate, you can then take action to obtain an updated appraisal.
Once you have a new appraisal, it's easy to add to your policy. Simply upload it to your account here, or email us a copy at [email protected]. Our Customer Care Team will take it from there.
*Some states limit the amount of IVA we can add in a year.
Many traditional insurance policies will simply reimburse you for the cost to repair or replace a piece of jewelry, up to the limits of your policy. It would then be up to you to try to get something similar or “comparable” to what you had before. This can be a stressful experience that involves providing a jeweler with appraisals, receipts, and detailed descriptions of your original piece.
At Jewelers Mutual, we don’t just cut you a check and leave you to fend for yourself. One of our dedicated claims professionals that specializes in the unique properties of fine jewelry will work closely with your jeweler of choice to make sure your jewelry is repaired to your satisfaction or replaced with a piece that’s of the same kind and quality as the original up to your coverage limit.
A typical homeowners, renters, or condo insurance policy may provide limited coverage for jewelry against “named perils,” like a fire, theft, tornado, or vandalism – up to a certain dollar amount (typically $1,500). Homeowners insurance may also have an average deductible of $500, which would leave you with just $1,000 of coverage if you filed a claim.
An insurance rider is an optional add-on to a homeowners, renters or condo insurance policy that can raise the total amount the insurance company will pay you if your jewelry is stolen or damaged in a fire. A rider may leave out coverage for accidental damage and disappearance and will most likely increase your insurance premium.
A jewelry insurance policy from Jewelers Mutual is specifically designed to give you protection for your jewelry. As an “open perils” policy, we provide much broader coverage than typical homeowners insurance, including protection against accidental loss, damage, and disappearance.
We also let you choose a deductible4 that fits your budget, an option not always afforded to you if you use typical homeowners insurance to protect your jewelry.
To learn more about the differences between Jewelers Mutual and a typical homeowners insurance policy, refer to the chart.
Here are a few situations that are not covered by a jewelry insurance policy. Please refer to your policy for a full list.
The goal of filing a claim is to repair or replace your lost, stolen, or damaged item with a piece that’s of the same kind and quality as the original up to your coverage limit.
You can file a jewelry insurance claim by calling us at 888-884-2424 or using our Quick Claim Tool. We have dedicated claims professionals to guide you every step of the way! Here’s a preview of the steps involved in filing a claim with Jewelers Mutual:
If you choose to upgrade your piece (at your own expense), we will gladly help you add that to your policy.
Our policy provides coverage for the legal representative of the deceased person. Documentation would be needed to verify the name and information of the legal representative (who inherited the jewelry items), who then could make a decision on continuing coverage or cancelling the jewelry insurance policy.
*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.
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