Jewelry Insurance with 110 Years of Expertise
The trusted jewelry insurer protecting 1 million+ customers and backed by 12,000+ 5-star reviews.
Jewelers Mutual insures a wide variety of types of jewelry including necklaces, bracelets, earrings, pearls, and brooches. Learn about their specialized jewelry insurance and the benefits you can expect by putting your trust in them.
What Does Jewelry Insurance Cover?
Losing your jewelry can feel like losing a part of yourself. Whether it was misplaced at the beach, left behind in a restroom, or lost during shipment to your jeweler for repairs, JM is there to help you recover and feel complete again.
Having your jewelry stolen can leave you feeling powerless, but JM is there to support you. In the unfortunate event of theft, they’ll replace your piece with one of the same kind and quality, helping to restore what was lost.
Accidents happen — like cracking your diamond ring on a countertop or bending a prong when it gets caught on something. Don’t worry, they’ve got you covered.
Sometimes jewelry simply vanishes — lost, stolen, or who knows how? You can’t pinpoint when, where, or how it disappeared. Don’t worry, you'll be protected.**
Natural disasters can happen without warning, but their coverage is designed for real life. Whether it’s a flood, tornado, hurricane, or earthquake that damages or causes your jewelry to go missing, you’re protected.
Ready to book that Caribbean cruise or European getaway? Rest easy — you’re covered worldwide, no matter where your travels take you.
If your jewelry’s value increases due to market changes, their complimentary Insurance Value Adjustment (IVA) service ensures it’s adequately covered. JM will adjust its value to minimize loss impacts, but updated appraisals are key for optimal protection. You can decline IVA, which may apply if an appraisal is over two years old at renewal.
JM provides coverage to keep your jewelry in top condition, including prong retipping, repairing broken, worn, or bent prongs and earring posts, clasp replacement, restringing stretched or broken pearl strands, and stone tightening.**
They don’t cover certain unusual situations, such as war or military actions, pest infestations, intentional damage, voluntary parting, deterioration, resizing, cleaning, or inspections.**
Trusted Experts in Jewelry Insurance
With over a million jewelry owners and 11,000 jewelers relying on Jewelers Mutual, they’ve become a name you can trust.
Repair or Replace with the Jeweler You Trust
Your jewelry, your choice. They work directly with your preferred jeweler to repair or replace your piece, ensuring it stays in the hands of someone you trust.
Highly Rated, Hassle-Free Claims
Their claims process is designed to be simple and stress-free, earning them well over 12,000 5-star reviews on Trustpilot. File your claim online, by phone, or through your trusted jeweler — whatever works best for you.
