The Jewelry Box Blog

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.

Getting a ring appraisal isn't exactly something you do every day, and unknowns can be intimidating.

It’s time to set the record straight on some common misconceptions about when a ring appraisal is needed, when it isn’t, and which details are required for insurance. Read on to learn more.

Insurance can be confusing. The insurance industry uses a lot of specific jargon that you likely do not use on a regular basis. (Deductibles, and premiums, and claims! Oh, my!)

Don't let these unknowns steer you in the wrong direction. Let's clear up some of these gray areas - right here, right now. We want you to feel as confident as possible that you're choosing the best insurance plan for you.

In most cases, insuring an engagement ring is much more affordable than you think. Which is great, since protecting your jewelry is one of the best things you can do to safeguard yourself from unnecessary heartache (and financial hardship).

So, how much does it cost to insure an engagement ring?

Finding out your homeowners or renters insurance falls short after you’ve already lost your ring leaves you wondering what to do next.

Do you pay for a replacement out of your own pocket? Or go without a ring?

Rock. Hard place.

As wearable technology evolves, more tech companies are collaborating with jewelry manufacturers and designers to keep smart jewelry on the forefront of fashion.

And it’s not only with smart watches. We’re starting to see wearable tech that isn’t even recognizable as such at first glance – it’s just as beautiful as high-end fine jewelry.

First things first.

There should be no difference between a "jewelry appraisal for insurance" and any other type of jewelry appraisal.

All too often, jewelers hear, "I don't want to pay a lot for an appraisal. I only need it to get my jewelry insured."

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.