Protection & Payment
Wear it everywhere, worry-free
We partner with Jewelers Mutual® Group, trusted for over 110 years, so you can protect your ring or any piece from us with coverage made just for fine jewelry. Most policies cost about 1 to 2% of your jewelry's value per year.
Policies are issued and serviced by Jewelers Mutual.
What's covered
Protection from almost every risk life can throw at your jewelry.
Loss
It slipped off at the beach or was left at a sink. You're covered.
Theft
Stolen jewelry is replaced with a piece of the same kind and quality, at home or while you travel.
Damage
A chipped center stone or a prong caught on a sweater. Accidents happen, and they're covered.
Mysterious disappearance
You can't explain how, where or when it went missing. You're still protected.
Normal wear and tear
Unlike many insurers, coverage may apply to everyday wear, like retipping a prong or tightening a stone, based on your policy terms.
Inflation protection
A free Insurance Value Adjustment (IVA) can raise your coverage as market prices rise, so you're not underinsured.
Worldwide travel
Take your jewelry with you around the world. Your coverage goes too.
Natural disasters
If a flood, tornado, hurricane or earthquake causes your jewelry to be lost or ruined, you're still covered.
What isn't covered
A few unusual situations: war and military action, damage from pests or rodents, intentional damage or fraud, gradual deterioration, and routine services like resizing, cleaning and inspections. See your policy for the full list.
What it costs
Usually 1 to 2% of your jewelry's value per year. Your rate depends on where you live, the value of the piece and the deductible you choose.
| Location | Jewelry | Per year | Deductible |
|---|---|---|---|
| Dallas, TX | $5,000 ring | $72 | $100 |
| New York, NY | $5,000 ring | $93 | $100 |
| Toledo, OH | $5,000 ring | $55 | $0 |
| Seattle, WA | $8,000 ring | $84 | $0 |
| Las Vegas, NV | $2,500 chain | $38 | $0 |
| Chicago, IL | $3,000 bracelet | $50 | $0 |
| Oakland, CA | $7,000 watch | $98 | $100 |
| Orlando, FL | $2,500 watch | $36 | $0 |
Example premiums from Jewelers Mutual. Your quote may be different.
How to get covered
Get a quote
Apply online in minutes and get a quote based on your location, your jewelry's value and your coverage choices.
Add your paperwork
Upload your receipt or appraisal. Need an appraisal for a piece from us? Just ask, and we'll provide one with your purchase.
Wear it with confidence
If something happens, file a claim with Jewelers Mutual. They work with us to repair or replace your piece.
Homeowners vs jewelry insurance
Many people assume a home or renter's policy covers their ring. Here's why a standalone jewelry policy is usually the better fit.
- Limited coverage. Many home policies only cover about $1,500 of jewelry for certain types of losses.
- High deductibles. A typical $500 deductible could leave you with only $1,000 of coverage.
- Higher premiums. A jewelry claim could raise your home insurance rate, or even cancel your policy.
- Restricted repairs. Some policies make you use their jeweler instead of the jeweler you trust.
- No jewelry expertise. Jewelers Mutual specializes in jewelry. Home insurers don't.
Frequently asked questions
What is a deductible?
It's the amount you pay out of pocket when you file a claim. Jewelers Mutual offers deductibles of $0, $100, $250 and $500. A higher deductible means a lower premium, and the other way around.
What is a premium?
It's what you pay each year to keep your coverage, whether or not you file a claim. For most jewelry it's about 1 to 2% of the value.
Are there coverage limits?
You choose your coverage based on the purchase price or appraised value of each piece.
How many pieces can I insure?
As many as you like. Get an online quote for each piece. If you have more than 20 pieces, it's easier to call Jewelers Mutual at 888-884-2424.
Do I need an appraisal?
An updated appraisal, evaluation or detailed receipt is strongly recommended. It helps Jewelers Mutual and your jeweler replace your piece with one of the same kind and quality. We're happy to provide an appraisal with your Princess Bride Diamonds purchase.
What is an Insurance Value Adjustment (IVA)?
It's a free service that raises your coverage each year based on what it would cost to repair or replace your jewelry in today's market. It applies when your appraisal is more than two years old at renewal, and you can opt out.
What's the difference between repair or replacement and reimbursement?
Many insurers just send a check. With Jewelers Mutual, a claims specialist works with your jeweler to repair or replace your piece with one of the same kind and quality.
What's the difference between homeowners insurance, a rider and jewelry insurance?
Homeowners and renter's policies often cover jewelry only for named events like fire or theft, up to about $1,500. A rider raises that limit but may still leave gaps. Jewelry insurance covers loss, theft, damage and disappearance, made just for fine jewelry.
What does the claims process look like?
Report what happened by calling Jewelers Mutual at 888-884-2424 or online. A claims specialist guides you through each step and coordinates with your jeweler to repair or replace your piece.
What happens to my policy if I pass away?
Coverage continues for your legal representative. The person who inherits the jewelry can then choose to keep or cancel the policy.
Protect what matters
Get your free quote in minutes
Questions about coverage or appraisals? Text us and we'll help.
Jewelry insurance is offered by Jewelers Mutual® Group. Coverage, rates and availability are set by Jewelers Mutual and vary by location. Read your policy for full terms.
