Jewelry Insurance
Wear your jewelry worry-free with insurance from Jewelers Mutual Group, trusted for over 100 years.
Protect Your Purchase
We've partnered with Jewelers Mutual, a leader in jewelry insurance, to emphasize the importance of safeguarding your precious and timeless pieces against loss, theft, damage, and even disappearance. Whether it's an engagement ring or a personal treat, securing your jewelry is not only quick and easy but also gives you the peace of mind to wear it without worry.
About Jewelers Mutual
For over 100 years, Jewelers Mutual has been providing comprehensive protection against loss, damage, theft, and even disappearance. Your most cherished jewelry pieces do more than just sparkle; they serve as reflections of you and commemorate life's most significant moments. With coverage from Jewelers Mutual, you can wear your jewelry freely and without worry.
A policy from Jewelers Mutual typically costs between 1-2% of the jewelry's value annually. Finding out how much it will cost you takes less than a minute.
Advantages of Jewelers Mutual Personal Jewelry Insurance:
- Comprehensive worldwide coverage for travel, extending beyond what ordinary homeowners insurance offers
- Protection against theft, damage, accidental loss, and disappearance
- The freedom to choose your own jeweler for repairs or replacements
- Repairs made to damaged jewelry maintain the same quality as the original piece
- Replacement of lost jewelry with the same brand and type
- Staff includes Graduate Gemologists (GIA) who are passionate about jewelry
How a Jewelers Mutual Policy Stands Out
Jewelry is often included in renters' and homeowners' insurance policies; however, such coverage usually falls short of covering the full replacement cost. Even a jewelry-specific rider added to your homeowners policy can have its limitations.
For any questions about jewelry insurance from Jewelers Mutual, please email us at personaljewelry@jminsure.com or call us at 888-884-2424.
What will it cost me?
Rates depend on the price of your piece and where you live, among other factors. For most, jewelry insurance costs 1-2% of the insured jewelry’s value, paid each year. Not sure what the value of your jewelry is?
For example, annual coverage for a $5,000 engagement ring could be as low as...
$50/yr
That's roughly $4 a month!
What’s Covered?
A Jewelers Mutual policy covers almost every imaginable risk life may throw at your jewelry.
Accidental Loss
Your ring fell into the lake, or you left it somewhere. Don’t panic. With Jewelers Mutual Group, your jewelry is covered.
From a ring falling down the drain to a dog eating an earring, we’ve heard so many ways you can lose jewelry!
Theft
If your jewelry is stolen, whether it be in a home break-in or while you're wearing it on the street, it's covered!
Did you know... the most common place jewelry is stolen is at your own home.
Damage
You hit your diamond ring on the edge of a table, and it chips, or your child grabs your necklace, and the clasp breaks. Rest assured; you're covered
Did you know... lost center or side stones are the most commonly reported damage to jewelry.
Disappearance
Sometimes jewelry just disappears- it could be lost, stolen or hanging out in a drainpipe somewhere. We realize you can't always pinpoint how or where your jewelry disappeared, so we cover disappearance.
Did you know... most standard homeowner policies don't cover disappearances?
Worldwide Travel
Are you a jetsetter? If your jewelry becomes lost or stolen during your international travels, don't worry - you're protected globally while traveling!*
With a typical homeowners or renters policy, your jewelry might not be fully covered if anything happens outside of the United States.
*Coverage is only available to residents of United States or Canada. Coverage not available in Quebec.
Protection from Natural Disasters
If a natural disaster such as flood, tornado, hurricane or earthquake causes your jewelry to get lost or ruined, you're covered!
A basic homeowners policy typically offers a limited amount of coverage for your jewelry. If I tornado strikes your house, your couch may be covered but your jewelry may not be.
Normal Wear and Tear Repairs
Normal wear and tear refers to the gradual wearing or damage that occurs over an extended period of use. We will pay for the following which are caused by normal wear and tear:*
- Prong retipping
- Broken, worn or bent prongs
- Broken earring posts
- Clasp replacement
- Restringing of broken or stretched pearl strands
- Stone tightening
*Subject to availability, coverage may not be available on all policies.
Automatic Value Adjustments
IVA or Insurance Value Adjustments, is a complementary service, applied to the values of your jewelry to compensate for market changes in jewelry’s value. This helps lessen the impact of a loss but isn’t always enough. It is always important to get updated valuations from your jeweler to get the best protection.*
*Only applied when your item’s appraisal is older than two years at the time your policy is renewed.
What's not covered?
There are a few unusual situations we don't cover. Here are a few examples that you should be aware of.*
- War and military action
- Rodent and pest infestation
- Intentional actions or voluntary parting
- Deterioration
- Resizing, cleaning and inspection
*For more details, view the FAQ section.
Advantages of Jewelers Mutual Insurance
Choose a deductible that fits your budget, as low as $0.4 Discounts may be available if you have a home alarm, store your jewelry in a safe deposit box, or possess a diamond grading report from an approved company.*
*Must be approved by underwriting.
Get your jewelry repaired or replaced with a new item that’s of the same kind and quality as the original, up to your applicable policy limit.
Work directly with your trusted jeweler of choice, not a generic third party, in the event of a claim to provide a highly rated, smooth experience. File a claim any time using our Quick Claim Tool.
*Insurance coverage only available in the United States (all 50 states and the District of Columbia) and Canada (excluding Quebec).
Must be at least 18 years of age to apply for insurance. Although Princess Bride Diamonds may offer opinions to consumers about the importance of protecting their purchases, Princess Bride Diamonds is not a licensed agent and does not sell or offer advice about insurance. Any/all decisions for protecting jewelry must be made by the consumer, following information gathering. The purchase of insurance must be done by direct interaction with an insurer or license insurance agent.
Coverage is subject to the provisions, limitations, exclusions, and endorsements in the policy and the level of coverage you select. Coverage is offered by either Jewelers Mutual Insurance Company, SI (a stock insurer) or JM Specialty Insurance Company. Policyholders of both insurers are members of Jewelers Mutual Holding Company. Any coverage is subject to acceptance by the insurer and to policy terms and conditions.
By clicking the link above — “get my free quote” — you authorize Jewelers Mutual to use a secure system to retrieve and save details of this purchase from us for the purpose of calculating an insurance quote. Retrieved information may include your name and address.