The ins and outs of jewelry insurance.

Policy 101

The ins and outs of jewelry insurance.

Here’s How It All Works

  • 1

    Get a quote.

    Enter some general information about your piece and get a quote with different options for deductibles in under a minute.

  • 2

    Get covered.

    Applying for coverage is easy—just tell us a bit about yourself and your jewelry and, in most cases, your coverage can start immediately.

  • 3

    Wear your jewelry, worry free.

    Rest assured that your jewelry is protected. And if something does happen we’ll work with your jeweler to repair or replace your piece.

  • 4

    File a claim.

    This is where you tell us what happened. We make filing a claim easy — just call us or file online, any time. We’ll take it from there.


  • Do you have a sample policy I can review?

    Yes. You can review our sample policy to get more detail about specific situations covered, what to do if you lose your jewelry, and how the claims process is settled.

  • What is a deductible?

    An amount of money that you have to pay for something before an insurance company replaces the item.

    When your deductible increases, your premium decreases and vice versa.

  • What is a premium?

    The amount paid to maintain insurance coverage, typically annually.

  • If something happens, how do I file a claim?

    Once you purchase a policy, we’ll email you with credentials to your online account. That’s where you’ll file claims and manage your billing info. Our online management is intuitive and friendly so when you need to file, it’s easy and fast. But if you prefer, feel free to call us at 888-884-2424.

  • How long will it take for a claim to be settled?

    We do our best to handle your claim quickly, professionally, and personally, and to work with your jeweler to get your jewelry restored to you as soon as possible. As soon as something happens, file a claim online or give us a call and we’ll get started.

  • How do I know if my jewelry is worth insuring?

    If you’d be upset if your piece was ever lost, broken or stolen, then it’s valuable enough to insure. The first step is getting a free, no-obligation quote to determine the cost of peace of mind that your precious jewelry is protected.

  • After my jewelry is insured, is there anything else I need to do?

    Nope! As long as you have provided us with any necessary documentation we may request, like a current appraisal or detailed sales receipt, and paid your premium, your coverage has started. We’ll be in touch 30 days before your policy expires to remind you to renew.

  • What if something happens to my jewelry and the jeweler cannot find the same stone I had?

    We’ll authorize the jeweler to replace your insured item with same kind and quality. But if the exact match is not available, we’ll do our best to find a comparable piece. Before your jeweler completes the work, we ensure you approve of all repairs or replacements.

  • How do I find a professional appraiser?

    We accept current appraisals or evaluations from any appraiser. We recommend you refer to the American Gem Society or the National Association of Jewelry Appraisers for a list of appraisers by state. These two organizations have their appraisers trained in jewelry appraising.

"Excellent company – reasonable rates, great coverage and prompt and courteous service. Applying is easy and claims service is exactly as advertised…wonderful."


Protecting personal jewelry since 1953

Protecting personal jewelry since 1953

Founded in 1913, Jewelers Mutual got its start by offering premium service and protection to jewelry stores. We began offering personal jewelry insurance to individuals in 1953 after a suggestion by jewelers to offer the same service and protection to jewelry store customers.

Get to know Jewelers Mutual