The Jewelry Box Blog

"How much is my jewelry worth and is it covered for current value?"

You’re not alone if you don’t know the answer. The most important thing is that you find out and keep your jewelry covered for current value before it’s too late. 

Look up the definition of insurance and you'll find words like "reimbursement" and "compensation." That makes sense, since most insurance policies rectify losses by cutting you a check.

In the case of jewelry insurance, a cash payout isn't always your best option.

Read on for a comparison of how jewelry insurance works for a replacement policy versus a traditional reimbursement.

Whether you're already engaged, thinking of popping that question, or expecting a proposal soon, you may be wondering...

Who insures the engagement ring, bride or groom?

Whether you have an extensive jewelry collection or not, there are circumstances in which it is vital to have quick access to a record of all the jewelry you own.

From simplest to most complex, here are some great options for creating a personal jewelry inventory.

You know what they say...if you have to ask...

In all seriousness, the answer is probably yes. In most cases, it is financially logical for you to insure your engagement ring. Read to learn if jewelry insurance is right for you.

Buying a new piece of jewelry is exciting. You get lost in the sparkle and admire the way it graces your finger or lays just right across your collarbone.

You might think beyond the initial excitement to the cost of the piece, considering it’s likely to be a decent investment. But do you think any farther ahead than that?

Life happens. No matter how hard we try, we cannot plan for the unexpected.

That’s why you get home, auto, life, and, of course, jewelry insurance. It’s your safety net so that if something happens, you can fix it and forget it. But how exactly do you file a jewelry insurance claim? What do you need to do?

All too often we get phone calls that start out, “I was taking a shower, and ...”

What comes next? You guessed it - a story about how a piece of jewelry was suddenly washed down the drain.

What's not covered under homeowners insurance? (At least not well enough.)

Spoiler: It's jewelry.

First things first: a jewelry insurance policy from Jewelers Mutual is a repair or replacement policy.

Instead of just getting a check, you'll work directly with your jeweler (not someone we choose for you) to repair your jewelry or find a suitable replacement piece. Jewelers Mutual will work with your jeweler behind-the-scenes to coordinate payment.

Now that it's clear you'll receive a same-kind-and-quality replacement, not a check, let's move on to what is and isn't covered.