The Jewelry Box Blog

How to File a Jewelry Insurance Claim



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?

If you're with Jewelers Mutual Group, follow the four simple steps below. If you don't have a jewelry insurance policy through Jewelers Mutual Group, read our Jewelry Insurance Guide to learn everything you need to know about jewelry insurance and what makes us different.

Jewelers Mutual Claim Process

  1. Tell us. Submit your claim online or call 888-884-2424 if you’d rather speak with a person. They will take your initial information and a claims examiner will follow up to collect more details and walk you through the claims process. If your jewelry has been stolen, report the incident to police.

    We will ask you to provide the name of your preferred jeweler. If you don’t have a preference, we encourage you to select the jeweler who sold the item. After all, they know it best!

    If you choose to work with a jeweler that is not able to invoice and bill us directly, the claim process will be slightly different. You will be required to pay for repair or replacement up front and then submit the receipt to us for reimbursement.
  2. Head to your jeweler. Our claims examiner will notify you when it’s time to make an appointment with your selected jeweler to have your item repaired or replaced.

    We or your claim examiner will advise your trusted jeweler to replace or repair your item with one of same, kind and quality to the original piece.

    To ensure your satisfaction, you must approve all repairs or replacements prior to the jeweler completing the work.

    It is common for traditional insurance companies to require multiple estimates from various jewelers before covering a repair or replacement cost. Jewelers Mutual does not require more than one estimate.

    Your trusted jeweler will be the one we work with, period.
  3. How does the deductible work? Once you are satisfied with your repair or replaced item, if you have a deductible on your policy you will pay that amount to the jeweler and the jeweler bills us for the remaining balance (up to the limit you insured the item for).
  4. Wear without worry … again! Contact us to let us know that you want to insure your new piece.

Jewelers Mutual is Here for You

Take comfort in knowing you can expect a fast, professional, compassionate repair or replacement experience during what could be a stressful time.

More than 95% of responding Jewelers Mutual policyholders said they are “highly satisfied” with their claims experience and the outcome. Just like Ann, Amy, and Jay.

We know losing or damaging a piece of jewelry can be heartbreaking. Please know if the time ever does come to file a claim, we’ll be here, ready to guide you every step of the way.

If you still do not have jewelry insurance and would like to know how much it could cost you per year, click the button below for a quote in less than a minute. No personal information needed.

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Editor's Note: This post was originally published November 5, 2015 and has been updated for accuracy and to reflect claims process improvements.