Confidentiality and
Real Human Support
We recognize you may have specialized needs and we prioritize this aspect in our services. Speak directly with our trusted, top-tier agents at 800-417-0598, available Monday through Thursday from 7am to 7pm CT, and Friday from 7am to 6pm CT.
Payment
Plans Available
Looking for a more flexible and affordable option? Eligible individuals who meet premium criteria can choose from available payment options.
Onsite
Certified Experts
Our team includes GIA Graduate Gemologists and AGS Certified Sales Associates and we’re exclusively endorsed by leading authorities in the jewelry industry, ranging from the American Gem Society to Jewelers of America.
Loss
Losing your jewelry can feel like losing a part of yourself. Whether your piece slipped away during a seaside retreat or was inadvertently left behind at an event, we cover your loss so you can feel whole again.
Shipping Reminder: For jewelry repair shipments, coverage applies when you use USPS Registered Mail, USPS Priority Mail Express, FedEx, or UPS, and a receipt is required.
Theft
It’s easy to feel helpless when your valuable jewelry is stolen from you, but we’re here to help. In the unfortunate event of theft, we'll replace your piece with one of the same kind and quality.
Damage
From a crack in your diamond ring to a broken clasp, accidents happen. Our jewelry insurance will cover that.
Disappearance
Sometimes jewelry just disappears—is it lost, stolen? Who knows? You can’t explain how, where or when it vanished. Don’t worry, that’s covered.*
Protection from Natural Disasters
We understand natural disasters can strike at any moment, so our coverage was made for real life. If a flood, tornado, hurricane, or earthquake causes your jewelry to get lost or ruined, you're still covered.
Worldwide Travel
Go ahead. Book that Seychelles cruise or European vacation. Your jewelry is covered globally while traveling.
Inflation Protection
Your jewelry's value has risen due to market changes—fantastic! However, it's currently insured for less than its worth. No worries—we offer a complimentary Insurance Value Adjustment (IVA) service. In case your jewelry appreciates due to inflation or market shifts, we'll adjust its value to help minimize the impact of a potential loss. To ensure the best protection, remember to get updated appraisals for your jewelry. You have the option to decline the IVA service, which is only applied when your item's appraisal is more than two years old at the time of policy renewal.
Jewelry Insurance That's Been Trusted for 110 Years
Jewelers Mutual is proud to be the trusted insurance choice of more than 1M jewelry customers and jewelers in the US and Canada. With an A+ Superior Rating from A.M. Best for 37 years as of November 2023, rest assured that we are well-prepared to fulfill financial obligations and uphold commitments to our policyholders when you need to file a claim.
I know this company will be there if ever a need arises for insurance. Their reputation is known, and jewelers recommend them.
Luxury Insurance Customer
Trustpilot Review
You guys make me have a piece of mind when it comes to my jewelry being covered ...always professional and courteous.
Luxury Insurance Customer
Trustpilot Review
Excellent and expeditious!!! Newly engaged but unable to wear my beautiful ring until it was insured. Service at JM was an easy 2-3 days! I waited 2 months from my jeweler to get it set. Wonderful kind and knowledgeable staff!
Taryn
Google Review
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How We Compare
Home insurance companies may be experts at insuring homes, but protecting jewelry isn't their specialty. When it comes to safeguarding your high value jewelry, selecting a dedicated jewelry insurance policy offers unparalleled advantages for fellow jewelry enthusiasts and collectors.
Coverage* / Feature
Typical Homeowners / Renters Insurance
Typical Riders
Loss
Theft
Damage
Not always covered
Not always covered
Disappearance
Natural Disasters
Not always covered
Not always covered
Worldwide Travel
Not always covered
Preventive Maintenance
Not always covered
Not always covered
$0 Deductible Option
Homeowners / renters deductible applies
May have deductible
Our Easy and Efficient Process
1
Check your Rate; Apply
Click on "Check your rate" and complete your application in just a few minutes.
For 10+ item collections, call our exclusive line at 800-417-0598 for guidance from our skilled customer care team, available Monday-Thursday from 7am-7pm and Friday from 7am-6pm CST.
2
Underwriting Review
All applications are subject to underwriting review and additional requirements may be requested before coverage can be issued.
Rest assured, your appraisals and images will be securely stored, enabling us to repair or replace your items with the same kind and quality in the event of a claim.
3
Wear it with Confidence
Feel empowered to wear your favorite pieces, whenever and wherever you please.
In the event of a claim, we’ll handle the leg work, partnering with your jeweler of choice to repair or replace with the same kind and quality. Your claim will be started quickly, typically within a few business days.