Your guide to Jewelry Insurance coverage

What does Jewelry Insurance cover?

Jewelers Mutual covers all fine jewelry made with precious metals and gemstones.

Rings

Bracelets

Earrings

Watches

Pearl strands

Chains

Pendants

Brooches

Loose stones

and more

Loss

You can trace it back— your bracelet slipped off while shopping. You can point to the moment it went missing, and you’re covered.

Theft

A break-in at home or a pickpocket on vacation—no matter where it happens, we’ll replace what’s stolen.

Damage

A prong bends, a gemstone chips, or your bracelet takes an unexpected dip in the garbage disposal. Accidents happen—we’ve got you covered.

Disappearance

One day it’s there, the next it’s not—no clue how or where it went. If your jewelry vanishes without explanation, don’t stress, you’re protected.*

Natural disasters

Fires, floods, hurricanes, and even earthquakes—if a disaster damages your jewelry, we’ll make it right.

Worldwide travel

Lost your necklace in a Paris hotel? Left your ring in a cab in Tokyo? No matter where you are, your jewelry stays protected.

Inflation protection

If your appraisal is over two years old at renewal, we may automatically adjust coverage limits every two years to help keep up with rising jewelry values.**

Preventive maintenance

We cover proactive jewelry care, including prong re-tipping and repair, stone tightening, earring post and clasp replacement.*

Shipping

Your jewelry is covered when shipped for repairs using USPS Registered Mail, USPS Priority Mail Express, FedEx, or UPS (a receipt is required). But our policies aren’t designed for short-term shipping coverage alone.

Civil authority

if your jewelry is confiscated during a search by law enforcement

Deterioration or inherent vice

if your piece is already weak or in disrepair, we won’t cover it

Intentional acts

such as purposely damaging or losing your jewelry

Nuclear hazard

including a fire resulting from a nuclear reaction

Vermin, rodents, or insects

such as an attic infestation that’s eroding heirlooms

Voluntary parting

including selling your covered jewelry and having the check bounce

War or military action

loss or damage due to war or military action

Inspection

issues related to resizing, cleaning, or inspection

Comprehensive coverage, no limits

Your jewelry deserves protection without restrictions. Unlike other insurers that cap coverage at $250,000 per item or $750,000 total, Jewelers Mutual insures your pieces for their full documented value—up to 100%.

Plus, our "all perils" coverage means you're protected from most risks unless specifically excluded. No arbitrary limits. Just the coverage you need.

Expert repair or replacement—no hassle, no guesswork

Unlike traditional insurers that just issue a check and leave you to find a replacement, Jewelers Mutual ensures your jewelry is replaced with a piece of the same kind and quality. If it's repairable, we’ll get it fixed for you. Our experts work directly with your jeweler to find the closest possible match, handling everything so you don’t have to. No stress, no guesswork—just the jewelry you love, restored.

Who can get coverage?

If you live in the U.S. or Canada (except Québec) and are over 18, you’re able to apply for coverage. The individual who wears the jewelry must also live in one of these locations. Your jewelry needs to be in your possession when you apply, and shouldn’t be in need of repairs or maintenance.

When should I get coverage?

We recommend buying insurance as soon as the item is in your possession, even if you then hand it over to the jeweler for resizing. You can buy insurance at any time, as long as the item doesn't need repairs. Get a quote online today, or if you have multiple pieces, give us a call at 888-884-2424.

How soon does coverage start?

In most cases, your coverage starts the same day you apply and purchase insurance. If we need more info, we’ll reach out, typically within two days—and coverage will begin once we have all required documents. Want an update on your application? Call us at 888-884-2424 or email personaljewelry@jminsure.com. We’re here to help.

*The information above provides general descriptions of coverage that may or may not apply to your policy. Coverage options may vary by state and product, and some exclusions or limitations may apply. Please review your policy contract for specific details.

**This complimentary service, called Insurance Value Adjustment (IVA), is optional, and you may decline it.

$15/mo