Jewelry Insurance backed by

110 years of expertise

 

Join over a million jewelry owners who trust us to protect their fine jewelry—from engagement rings to watches.

What does Jewelry Insurance cover?

Learn more about insurance coverage

 

 

How much does jewelry insurance cost?

Insuring your jewelry with Jewelers Mutual could cost as little as 1-2% of its value per year. Rates vary based on jewelry value, your deductible choice, and location. You may qualify for discounts if you have an alarm system or Gemprint or GemEx documentation.

Learn more about jewelry insurance cost

Cost based on location: 75142

$

/mo
$5,000 Ring
$0 deductible

$

/mo
$11,000 Ring
$0 deductible

$

/mo
$21,000 Ring
$0 deductible

$

/mo
$50,000 Ring
$0 deductible

Does home or renters insurance cover jewelry?
The hidden costs

While home and renters insurance may offer some jewelry coverage, low coverage limits and high deductibles can leave you underinsured--costing you more out of pocket when it matters most.

Coverage*/Feature Typical Homeowners/
Renters Insurance 		Typical Riders
Loss
Theft
Damage Not always covered Not always covered
Disappearance
Natural disasters Not always covered Not always covered
Worldwide travel Not always covered
Preventive
maintenance 		Not always covered Not always covered
$0 Deductible option Homeowners / Renters
deductible applies 		May have a deductible

Be Cautious: Filing a jewelry claim under your homeowners policy could increase your premiums or lead to policy cancellation. With dedicated jewelry insurance, claims won't impact your home coverage.

Learn why jewelry needs specialized coverage

 

You’re wondering if Jewelry Insurance is worth it 

It is. If your jewelry is valued at $1,500 or more, has real sentimental value, or would be a financial burden to replace, a standalone jewelry insurance policy is your best protection against life’s more unpleasant surprises. 

Did you know? 

36 pieces of jewelry are lost every year in jet ski related incidents

How to insure your jewelry

Simply follow these steps

1

Estimate your rate

Get your personalized rate in minutes by telling us what type of jewelry you have and where you live. 

2

Collect your documents

Consider having your jewelry appraised. While an appraisal isn’t always needed to apply for coverage, uploading it during the application process will make it easier in the event of a claim, when an appraisal is required.

3

Apply for coverage

Share additional details about yourself, your jewelry, and other wearers. You can insure as many pieces as you'd like. All applications are subject to underwriting review, and additional information may be requested.

4

Pay your premium

Once approved, pay your premium for your first year of coverage. It’s that simple.

5

Enjoy your jewelry

With your policy in place, wear your jewelry with confidence—wherever your path takes you. Set up your personal portal to make payments, set up auto-pay, or file claims.

6

File a claim easily 

If something happens to your jewelry, submit a claim and we’ll handle the repair or replacement with your preferred jeweler. If applicable, you’ll pay your deductible directly to your jeweler when you pick up your piece. 

Named “Best Jewelry Insurance” 

Rated “Best Overall” by U.S. News and World Report, and BuySide from WSJ

Rated “Best for Preventive Maintenance” by CNBC Select 

Learn more about our recognition and awards

Honoring and protecting jewelry since 1913

For over 100 years, Jewelers Mutual has been the most trusted name in jewelry insurance. We underwrite, service, and support our own policies, providing unmatched expertise and reliability. Connect with us over the phone or online —your choice. 

Over 

12,000+ 

5-Star reviews on

Trustpilot Logo

As of Nov 2024, JMIC, SI earned an

A+ 

Superior Rating from A.B. Best  for the 38th year in a row, highlighting our financial strength and reliability to pay claims  

Over

1,000,000+

customers insured

Chosen by many of the nation’s top home and auto insurers to protect their customers’ jewelry

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What our customers are saying...

The wife and I had no idea we could insure her ring separate from our household things. We were made aware of this by our Geico rep. Simple, easy and inexpensive. Thanks Geico.

Bobby B.

It was easy to fill out the application. I was happy to get a discount because we have a home security system. I will probably never need this insurance but it does give me piece of mind!

Mel L.

I've had this company for over 20 years. Whenever an item was lost or needed to be replaced or repaired they did so without any problems.

Belinda

I've had this company for over 20 years. Whenever an item was lost or needed to be replaced or repaired they did so without any problems.

Estefania M.

It was easy to fill out the application. I was happy to get a discount because we have a home security system. I will probably never need this insurance but it does give me piece of mind!

Linda

Fantastic and easy experience that provides me enormous peace of mind at an affordable price.

Sean J.

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Not sure of the value of your piece?

Knowing the value of your jewelry and watches helps determine how much coverage you'll need. Since markets fluctuate, it's a good idea to get your valuables appraised by a jeweler every two years (most jewelry stores offer this service). You might be surprised--some pieces may even be worth more than the price you paid for them.

 

Learn more about appraisals

Resource center 

Jm Brand extra images Diamonds
Read: 9 min
Identifying a transitional cut diamond
Learn to identify a transitional cut diamond, its value, rarity and how it compares to brilliant and old European cuts.
Jm Brand extra images Birthstones
Read: 2 min
May's birthstone: Emerald green with envy
May's birthstone is an emerald. Their beautiful green color, combined with their rarity, makes emeralds one of the world's most valuable gemstones.
Emerald Cut Ring Diamonds
Read: 4 min
Elongated emerald cut diamonds: why choose it for your engagement ring
Discover what makes an elongated emerald cut diamond so special and if it’s the right engagement ring style for you!
Jm Brand extra images Homeowners & renters
Read: 4 min
Does homeowners insurance cover jewelry?
Does homeowners insurance cover jewelry? What about loss or damage? Find out how typical homeowners coverage compares to specialized jewelry insurance.
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*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.