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.
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.