PERSONAL BUSINESS ANSWERS ABOUT US LOG IN Jewelry Insurance Claims START A CLAIM You can also file a claim by logging in to your account or calling us at 888-884-2424. What's Needed When your jewelry is damaged, lost or stolen, all you want is to get it back, just the way it was. To help us get you there as fast as possible, prepare the following before you start your claim. If any additional documentation is needed, your claims representative will let you know. Proof of Ownership Any documentation, like a receipt, appraisal or dated photo of the jewelry, that proves it's yours. Written Statement A short statement explaining what happened, including a list of damage if your jewelry wasn't lost or stolen entirely. Police Report A police report, depending on the jewelry and how it was lost or stolen. We'll let you know if it's needed. COVID-19 and Your Claim If you need to submit a claim or have a claim in progress, we ask for your patience during this difficult time. We are working hard to limit disruptions to our policyholders. Many jewelers have been mandated to shut down due to shelter-in-place orders intended to slow the spread of COVID-19. This may cause a delay by your jeweler to fulfill claim-related work. We will work with you to ensure we have all necessary information to start your claim and proceed as quickly as possible when your jeweler reopens. Thank you for your understanding. How It All Works Our goal is to repair or replace jewelry with same kind and quality as fast as possible. We partner directly with your jeweler to handle the repair or replacement and the transaction. Here's what the process typically looks like: 1 Start Your Claim Let us know what happened. Start your claim online, or call us at 888-884-2424. 2 Choose a Jeweler Choose a jeweler to repair or replace your item. Once you get the okay from us, head to your jeweler. If you're not sure who to use, we can help find a jeweler near you. 3 Pay Your Deductible If your policy has a deductible, pay that amount to your jeweler. The jeweler will bill us for the rest. (If you have a $0 deductible, and the cost of replacement isn't more than you insured yours for, you pay nothing. All you have to do is pick up your jewelry, good as new!) 4 Insure Your Replacement Jewelry If your jewelry was replaced entirely, we'll help you add that to your policy. If your jewelry was simply repaired back to its original state, there's nothing more for you to do! Claims Satisfaction Rate 4.81 out of 5 stars Customers who experienced a claim with Jewelers Mutual Group give the process a 4.81 out of 5 stars. According to a survey conducted by Market Research and Insights Q1 2020, paid for by Jewelers Mutual Group. Customer Stories Insurance Coverage When I Lost My Ring Vallie first noticed that her wedding band was missing when she and her fiancé were packing to leave for their wedding. She worked with Jewelers Mutual to file a claim and replace the ring. WATCH VALLIE'S STORY What Is and Isn't Covered Loss Like losing your ring at the beach Theft Like having your watch swiped from your hotel room Damage Like stepping on an earring and breaking the post Disappearance Like when you just can't find your favorite necklace Worldwide Travel Coverage follows you everywhere you travel, worldwide Deterioration Like small scratches on the underside of a ring Voluntary Parting Like selling your jewelry just to have the check bounce Intentional Actions Like purposely damaging or losing your jewelry Critters Like damage from vermin, rodents or insects War & Authority Like having your jewelry seized by law enforcement FAQ Can I receive cash? Can I upgrade? Can I choose any jeweler? What is a deductible? What proof is needed for a claim? What if I find my jewelry after making a claim? How soon after damage or a loss should I submit a claim? What if the jeweler can't find the same stone I had? Start a Claim You can start a claim instantly by using our Quick Claim tool, or you can log in to your account and file that way. As always, you may also give us a call at 888-884-2424. START A CLAIM PERSONAL Personal Jewelry Insurance Get a Quote FAQ Manage My Policy Claims Pay My Bill BUSINESS Jewelry Business Insurance Zing® Platform JM™ Shipping Solution JM™ Care Plan Jewelry Appraisal Solution JM™ University JM Risk Services Jeweler Programs Pay My Bill Business Claims Blog ABOUT About Us Careers Newsroom Social Responsibility COVID-19 Resources CONTACT Contact Us Share Your Concerns BLOG How much does it cost to resize a ring? How to clean gold jewelry the right way How much should an appraisal cost? How to make a ring smaller without resizing More blog articles Privacy Policy Terms of Use © 2021 Jewelers Mutual Group - All Rights Reserved Insurance coverage is subject to underwriting review and approval, and to the actual policy terms and conditions. Any descriptions are a brief summary of coverage and are not part of any policies, nor a substitute for the actual policy language. Insurance coverage is offered by a member insurer of the Jewelers Mutual Group, either Jewelers Mutual Insurance Company, SI (a stock insurer) or JM Specialty Insurance Company. Policyholders of both insurers are members of Jewelers Mutual Holding Company.