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The Jewelers Mutual claim process

Losing or damaging your jewelry is hard. Filing a claim shouldn’t be. Learn how filing a claim works, and what makes our process so remarkably easy (we’ve worked hard to make it turnkey).

File a claim Track your claim

For specific claims inquiries, call 888-884-2424 or email plclaims@jminsure.com. Hours: 7 AM - 5 PM CST, M-F.

How to file a Jewelry Insurance claim

1

Report your loss or damage
as soon as possible 

There are no time limits for filing a claim, but the sooner you file, the sooner we can start making things right. 

2

Start a new claim

Tell us what happened and provide all the necessary information. After submitting your claim, you’ll receive an automated email. Breathe easy. Your examiner will reach out to you within four business days to guide you through the next steps.

3

Work with your jeweler

You approve all decisions on how to proceed. For repairs, we authorize your preferred jeweler to proceed with your claim, fixing what needs to be fixed. For replacements, we cover the current cost to replace your item with a piece of the same kind and quality (or up to the coverage limit for that item, whichever value is lower). You can also choose to upgrade to a more expensive piece, paying your jeweler the difference in cost.

4

Pay your deductible

You pay your jeweler directly when you pick up your piece. If it was fully restored, your claims journey is over. If you have an entirely replaced piece of jewelry, remember to reach out to our customer care to add the new item to your insurance policy.

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Documentation you need for a claim

 

Brief written statement

For all claims we need the policyholder to draft a quick and simple explanation of how the loss or damage occurred. In some instances, we will request an additional statement from other individuals named on your policy.

 

Proof of ownership

We need to verify that we’re protecting the correct item for the right policyholder. We need a receipt, an appraisal, or a dated photo of the jewelry that proves the piece belongs to you. Learn why getting regularly scheduled appraisals is so important. 

 

Specific claims

For certain claims, we need a police report to get your jewelry replaced as soon as possible (we will let you know if your claim needs one).

Hassle-free repair or replacement 

Unlike other insurers, who send you a check and expect you to take care of the rest, our Repair or Replacement policy is designed to make you the decision-maker, but remove any hassle from your life. We deal with the details of a repair or replacement—not you. You simply pick your jeweler (we only require one estimate), then our claims professionals make sure the repair or replacement matches the same kind and quality compared to your original piece. Let us handle it.

Your deductible is your choice

When filing a jewelry claim, a deductible refers to the amount you must pay out of pocket before your insurance coverage kicks in. Most of our policies start with a $0 deductible, but selecting a higher deductible usually lowers your annual premium.

  • If your policy does have a deductible, you'll pay it directly to your jeweler when you pick up your repaired or replaced jewelry—no surprises or bills in the mail.

  • If your policy has a $0 deductible and the replacement cost is equal to or less than what you insured your item for, you won’t have to pay anything.

 

With over 110 years in business, we’ve built strong relationships with jewelers and handle all the payment details directly with them.

Our expert team

We have claims experts who actually understand jewelry. With over 150 years of combined experience, our claims team has consistently maintained a world-class Net Promoter Score (NPS) for the past decade. NPS is a key indicator of customer satisfaction and loyalty, reflecting how likely customers are to recommend our services to others. We’re proud of this because extraordinary customer service is at the heart of everything we do.

For specific claims inquiries:

 

Our reputation precedes us

My claim was processed in a timely and efficient manner. When I lost a diamond in my wedding band, having my ring insured really paid off

Tamra

My claim was handled promptly and I had my jewelry back within a few days. I'm extremely satisfied!

Nina M

Made getting my jewelry fixed so quick and easy. It was stress free— I filled the claim and they did everything else and worked with my jeweler! 100% recommend to all my friends!!

Elizabeth S

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