Jewelers Mutual® Group Jewelry Insurance
Wear your jewelry with confidence.
We’re proud to partner with Jewelers Mutual® Group, the most trusted name in jewelry insurance for over 110 years. Whether you’ve purchased a ready-to-ship piece or a custom design from us, you can protect it with comprehensive coverage designed specifically for fine jewelry.
Get a Quote
Apply in minutes and receive a customized quote from Jewelers Mutual—based on your location, the value of your jewelry, and your coverage preferences.
📍 Start your quote here
What Does Jewelry Insurance Cover?
When you insure your jewelry through Jewelers Mutual, you get peace of mind from nearly all life’s unexpected moments:
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Loss – Lost your ring at the beach? You’re covered.
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Theft – Stolen items are fully covered, even during travel.
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Damage – Chipped center stone or bent prong? Covered.
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Mysterious Disappearance – Can’t explain where it went? You’re still protected.
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Normal Wear & Tear – Unlike many insurers, minor damage and routine wear are covered.
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Inflation Protection – Coverage adjusts over time to reflect current market value.
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Travel Coverage – Take your jewelry with you around the world, worry-free.
What Isn’t Covered?
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Natural disasters like earthquakes or floods (consult the policy for specifics)
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Intentional damage or loss
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Routine maintenance like cleaning or polishing
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Wear outside of coverage territory (in rare cases)
How Much Does Jewelry Insurance Cost?
The annual cost of insuring jewelry typically ranges between 1–2% of its appraised value.
Here are a few real-world examples:
| Location | Item & Value | Annual Cost | Deductible |
|---|---|---|---|
| Dallas, TX | $5,000 ring | $72 | $100 |
| Las Vegas, NV | $2,500 chain | $38 | $0 |
| Chicago, IL | $3,000 bracelet | $50 | $0 |
| Oakland, CA | $7,000 watch | $98 | $100 |
| New York, NY | $5,000 ring | $93 | $100 |
| Toledo, OH | $5,000 ring | $55 | $0 |
| Orlando, FL | $2,500 watch | $36 | $0 |
| Seattle, WA | $8,000 ring | $84 | $0 |
💡 Note: Your exact premium may vary based on zip code, deductible, and type of jewelry.
5 Risks of Using Homeowner’s Insurance for Jewelry
Many clients assume their jewelry is covered under their existing home or renter's policy—but that coverage is often very limited. Here’s why a standalone policy with Jewelers Mutual is usually a better fit:
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Limited Coverage – Most home policies only cover up to $1,500 for jewelry-related claims.
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High Deductibles – You may be responsible for the first $500+ before coverage kicks in.
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Premium Increases – Filing a claim could raise your entire home insurance rate—or result in cancellation.
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Restricted Repairs – Some policies require you to work with their jewelers—not your preferred jeweler (like us!).
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Lack of Jewelry Expertise – Jewelers Mutual specializes in jewelry protection—home insurers don’t.
Frequently Asked Questions
Q: What is a deductible?
A deductible is the amount you pay before insurance kicks in. Options usually range from $0 to $500.
Q: What is a premium?
The premium is your annual cost for coverage. It’s typically 1–2% of your item’s value.
Q: Is there a coverage limit?
There are no strict limits, but appraisals may be required for items over a certain value.
Q: Can I insure multiple pieces?
Yes! You can insure multiple items under one policy.
Q: Do I need an appraisal?
Appraisals are recommended for higher-value items. We’re happy to provide one upon request with your Princess Bride Diamonds purchase.
Q: What is Insurance Value Adjustment (IVA)?
It’s a feature that automatically adjusts your coverage to reflect inflation and market changes.
Q: What’s the difference between repair/replacement and reimbursement coverage?
Repair/replacement ensures your piece is restored using jewelers like us. Reimbursement offers a check you can spend anywhere.
Q: What’s the difference between homeowners insurance and standalone jewelry insurance?
Homeowners = generic coverage.
Jewelry insurance = dedicated, expert protection with fewer limitations.
Q: What does the claims process look like?
It’s simple. You’ll report the loss online, provide any requested documentation, and Jewelers Mutual will coordinate directly with you—and your jeweler if needed.
Q: What happens to my jewelry if I pass away?
The policy becomes part of your estate. Your family can contact Jewelers Mutual to update or transfer ownership.
Ready to Protect Your Jewelry?
You made a meaningful investment—let’s keep it safe. Click below to start your free quote with Jewelers Mutual: