The Jewelry Box


The Jewelry Box Blog

How to Protect Your Smart Jewelry

on Jul 30, 2015 2:28 PM

How to Protect Your Smart Jewelry

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 the smart watchWe’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.

With elevated fashion comes a higher price tag, which begs the question of how best to protect smart jewelry, including luxury products like the Apple Watch™ Edition (ranging from $10,000-$17,000) or, for the über wealthy, the Armill deluxe bracelet with a $150,000 price tag.

Jewelers Mutual is proud to provide repair or replacement coverage for smart jewelry, at the same level and for the same perils as all other jewelry we insure.


Ringly Moto 360 The LEAF
Smart ring from Ringly Moto 360 by Motorola The LEAF from Bellabeat


Insurance for Your Smart Jewelry

Jewelers Mutual provides the same level of coverage for smart jewelry (including smart watches) as we do for all other pieces of jewelry. You get same kind and quality repair or replacement for jewelry that is:

  • Lost,
  • Damaged,
  • Stolen,
  • Or mysteriously disappears.

And, as always, coverage travels with you worldwide.


Smart jewelry is a category of wearable technology that includes any wearable designed to be worn on the body in the same manner as traditional jewelry. This includes categories such as bracelets, rings, watches, pendants and cuff links.

The Jewelers Mutual Advantage

Smart Jewelry Coverage Chart

Click to enlarge

How does this compare to a warranty or protection plan?

Comprehensive repair and replacement coverage from Jewelers Mutual includes protection against accidental loss, theft, damage and mysterious disappearance, types of coverages not always found in typical warranties or protection plans.

For all of these types of damage or loss, it will be repaired or replaced, through the jeweler or manufacturer of your choice, with same kind and quality – up to the amount it costs to repair or replace the item or the amount you have chosen to insure the item for.

What’s not included in coverage?

Jewelers Mutual does not cover loss or damage to personalized data or customized software. Loss or damage due to virus, programming errors, technological obsolescence, or any indirect loss, is also not covered. Basically, we cover the entire physical object, but not the data that it houses. A Data Exclusion endorsement will be attached to all policies with an effective date of August 1, 2015, or later.

What happens if there’s a newer model available when I damage or lose mine?

Just like regular jewelry, we cover for the repair or replacement of same kind and quality as the original. If you want to upgrade to the newest model at the time of your claim, you’re responsible to pay the difference, just like you would be if you wanted to upgrade the stone in your engagement ring.

As always, we encourage everyone to carefully review their coverage options before deciding which protection method is best for them.

If you have any questions about coverage from Jewelers Mutual, contact us directly or share them in the comments and we’ll be happy to answer.

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Great guide to protecting your smart jewelry. I'm excited to get a stylish looking smart watch, so now I know how to make it last! Thanks for sharing.


I would like to switch diamonds on my engagement ring. It now has an oval 6 prong diamond and I want to change to a larger ROUND diamond. I know I'll have to buy a new "head" and have it soldered into my ring. What kind of price am I looking at if I use sterling for the head?

MaryKay Bean

In reply to by Anonymous (not verified)

Hi MaryKay - This sounds like a great question for your jeweler. Unfortunately, it's not something we're able to provide an estimate for. If you need help finding a reputable jeweler, try American Gem Society's Find a Jeweler tool:

Chelsea Drusch

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