The Jewelry Box


The Jewelry Box Blog

How to File a Jewelry Insurance Claim

on Oct 3, 2018 2:45 PM


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, follow the four simple steps below.

Filing a Jewelry Insurance Claim

If your jewelry has been stolen, report the incident to police first. Then, begin the jewelry insurance 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 representative will follow up to collect more details and walk you through the claims process.

    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. (This is usually not a problem.)

  2. Head to your jeweler. Our claims representative will notify you when it’s time to make an appointment with your selected jeweler to have your item repaired or replaced.

    If the exact match for replacement is not available, we will have the jeweler find a piece and/or stone that is the same kind and quality of what you originally had.

    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.

    Did You Know? You Can Upgrade

    Something shinier catch your eye at the jeweler? You have the ability to upgrade your insured jewelry item.

    For example, you lose your 1 carat diamond and, instead of replacing with the exact kind, you want to upgrade to a 1.5 carat. No problem. 

    The jeweler will invoice us the cost to replace what you had, and you pay the difference directly to the jeweler.

    Be sure to send us an updated description or appraisal so your new, shinier bling is fully covered.

  3. Pay your jeweler … if you have to. Once you are satisfied with your repair or replaced item, you pay your deductible amount to the jeweler and the jeweler bills us for the remaining balance (up to the limit you insured the item for).

    If you have a $0 deductible, you pay nothing. Zilch. Zip. Nada.

  4. Wear without worry … again! Feel comfortable to wear your repaired or replaced jewelry no matter where your travels take you. Be sure to let us know you want to re-insure your new piece, and submit a new appraisal or description so that you are fully covered for its new value.


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.


Get a Quote


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


Lost ring in public and some one stole it! What has to be covered?

Alissa Williams

In reply to by Anonymous (not verified)

Hi Alissa - Your coverage depends entirely on your specific insurance policy. Reach out to your insurance company and I'm sure they'll be able to help you out.

Chelsea Drusch

I lost a nice turquoise and silver bracelet Wednesday. Is it covered?

Melinda Tindell

In reply to by Anonymous (not verified)

Hi Melinda - I'm so sorry about your loss! Someone in Customer Care will be reaching out to you shortly.

Chelsea Drusch

I was trying to sign up for the insurance on my engagement ur website down..

Trudy Chalmers

In reply to by Anonymous (not verified)

Hi Trudy - Looks like you were able to get things straightened out. Sorry for the hiccup! Happy to have you.

Chelsea Drusch

Does jewelers mutual require a certain amount of maintenance and inspection to maintain a policy?

Angela mac

In reply to by Anonymous (not verified)

Hi Angela - Encouraged, but not required.

Chelsea Drusch

I'm GIA certified and do appraisals by appointment while they wait. The cost is $50 which gets you 5 items, additional pieces $10 ea. Please call me at 214-739-3906 to set an appointment.

Richard Yerxa

We're glad you enjoy them!

Kevin Hazaert

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