Jewelry Insurance

Why you should consider jewelry insurance


If you cherish your jewelry, then it’s worth insuring! Your jewelry deserves great protection from jewelry experts who understand its value is irreplaceable and more than just a footnote in a jack-of-all-insurance-trades policy.

Jewelry insurance from Jewelers Mutual Group covers:

  • Loss
  • Theft
  • Damage
  • Disappearance
  • Loose stones
  • Flood or earthquake
  • Worldwide travel

How much does jewelry insurance cost?

For most, it only costs 1-2% of the jewelry’s value annually. A $5,000 engagement ring could cost as little as $50 per year to insure – less than getting one coffee every month for a year!
A man helping put on a woman's necklace.

What types of items are covered under jewelry insurance?

All fine jewelry is covered under jewelry insurance from Jewelers Mutual Group. This includes rings (including engagement rings), bracelets, earrings, chains, watches, pendants, and loose stones.

Other non-jewelry items like fine art are not covered.


How does jewelry insurance work?


Once insured by Jewelers Mutual Group their goal is to replace your piece or repair it to just the way it was. Contact them with proof of ownership, a statement explaining what happened, and a police report if your jewelry was lost or stolen. Once you've submitted your claim either online or over the phone, you'll select a jeweler to repair or replace the item then pay your deductible. Your jewelry insurance will take care of the rest.

How is a Jeweler's Mutual policy different from other jewelry policies?


Jewelers Mutual Group covers all types of jewelry and offers a comprehensive repair and replacement coverage policy. We work directly with your preferred jeweler to repair or replace your damaged or lost jewelry with “like kind and quality” as the original. 

Most insurance policies set a reimbursement limit for jewelry. With our policy, your coverage limit is customized based on the value documentation you provide for your jewelry items. No limits, and our experts are with you every step of the way.

Ready to give your jewelry the extra care and protection it deserves? Insure your jewelry with Jewelers Mutual Group today!

Roadside Assistance Truck