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What's covered?

All the most common dangers to necklaces (and other jewelry). Loss, theft, damage and mysterious disappearance are covered.
It's an all perils policy, so if it's not listed as NOT covered, it's covered.

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You hit your pendant on the edge of a table and it cracks, or the clasp gets caught and breaks. Accidents happen. We’ll cover that.

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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 happened. Don’t worry, that’s covered.

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You take your necklace off at the gym and can’t find it after. Or you swear you put it on the counter to shower, but it’s gone. It’s out there somewhere but you can’t find it. It’s covered.

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Maybe your sketchy uncle has sticky fingers. Or your home gets broken into and they went straight for your jewelry box. You can rest assured that's covered, too.

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Worldwide Coverage

All our policies extend worldwide, so know that you're covered, no matter where your travels may take you.

What's not covered?

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Damage from vermin, rodents or insects isn't covered. So if a moth infestation affects the heirlooms in your attic, you couldn't file a claim for that.

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Damage from inherent defects or from typical wear and tear is not covered. (Think gradual, expected deterioration like small scratches on back of a pendant.)

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Intentional Actions

Purposely damaging or losing your necklace won’t be covered. Fraud associated with voluntary parting isn’t either. If you sell your necklace and the check bounces, that’s not included.

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War & Authority

Loss or damage due to war, military action, nuclear hazard or confiscation by civil authority, like law enforcement or other government entities, is not covered.

What about homeowners?

Jewelry is covered under typical renters and homeowners insurance policies. But that coverage is usually subject to a limit of a couple grand, and even a rider or floater has its limitations.

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What Our Policyholders Say


How does jewelry insurance work?

When you file a claim, we don’t just cut a check and run like a traditional cash pay-out policy.
First, you let us know what happened. Then you visit your jeweler to arrange for repairs or a replacement of same kind and quality. Once you agree your necklace is good as new, you pay your deductible (if you chose one), and the jeweler bills us for the rest. Simple as that.

How much does it cost?

Rates depend on where you live. But for most people, jewelry insurance costs 1-2% of the value of their jewelry. For example, a $10,000 watch costs about $100 per year to insure.

Who is Jewelers Mutual anyway?

Jewelers Mutual was founded in 1913 by jewelers, for jewelers. We started out insuring jewelry stores and businesses; then, in 1953, we added coverage for personal jewelry, like necklaces and engagement rings. We insure jewelry and only jewelry. We are the jewelry insurance experts.

It all comes down to trust

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, downloadable Buyer's Guide to help you decide how to best protect your jewelry.