Get started by creating your online account (if you haven’t already)
By creating an online account, you unlock convenience and control—putting you in the driver's seat when it comes to managing every detail of your jewelry insurance policy. Whether you’re updating coverage, adding a new jewelry wearer, or managing appraisals, everything you need is just a click away. Manage your policy on your terms—anytime, anywhere.
Updating your coverage
Here’s our easy process for adding a new item to your policy:
Go to the Policiestab and click Make Policy Changes
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Select Add an Item and complete the remaining fields
Great news—new items are automatically covered for up to 30 days! You’ll get temporary protection for the lowest of these: 25% of your policy limit, $10,000, or what it would cost us to repair or replace the item. Coverage ends once the item is added to your policy or if your policy expires—whichever comes first.
Do you have enough coverage?
Jewelry values change over time, fluctuating due to inflation and market changes including gemstone values and jewelry and watch trends.
To help ensure adequate coverage, get an updated appraisal from your jeweler every two years. If you decide not to get your item re-appraised, Jewelers Mutual offers a value-added service called an “Insurance Value Adjustment" (listed as “IVA” on your policy) which adjusts your coverage limits based on an estimate of what it would cost to repair or replace your jewelry in today’s market. While we do our best to determine the right amount of protection in a changing marketplace, it still may not be enough. Some states even limit the amount of IVA we can apply in a year. That’s why we encourage you to consult with your jeweler, even after an IVA is applied, to determine your item’s true value.
Has your coverage lapsed?
Call us at 888-884-2424 to request a policy reinstatement.
Payments & billing
You can make a payment by:
Call us at 888-884-2424 to request a policy reinstatement
Once you've submitted the necessary documents (such as an appraisal) and paid your premium, your coverage is active. We'll send a reminder 30 days before your renewal. To keep your coverage limits up to date, we recommend getting an updated jewelry appraisal every two years and uploading it to your account.
