PERSONAL BUSINESS ANSWERS ABOUT US LOG IN Jewelry insurance from actual jewelry experts. WHAT WILL IT COST ME? How We CompareHistoryCoverageReviewsWhat It CostsCheck My RateJewelry Insurance Guide Your jewelry is more than metal and stone. It’s personal. While sentimental value is irreplaceable, a jewelry insurance policy through Jewelers Mutual Group covers the cost of having the item repaired or replaced. Jewelry insurance provides an extra level of care for some of your most cherished possessions. If the worst happens and you need to submit a claim, you are taken care of by experts who understand jewelry. How the Jewelry Insurance Experts Compare to the Big Names Jewelry is typically covered under renters and homeowners insurance policies. But that coverage is not usually enough to cover the full replacement cost, and even a jewelry-specific rider added to your homeowners policy has its limits. See How We Compare Jewelers Mutual Group Typical Homeowners Typical Rider Loss Theft Damage Not always covered Not always covered Disappearance Flood or Earthquake Not always covered Not always covered Worldwide Travel Out-of-Pocket Cost $0 deductible option Homeowners deductible applies May have a deductible The Risks of Adding Jewelry to Homeowners Insuring jewelry with a standalone policy protects your home insurance from the effects of a jewelry claim. Protecting All Things Jewelry Since 1913 Jewelry insurance is only as good as the company standing behind it. Protect yours with the only insurer in North America solely dedicated to jewelry insurance for over 100 years. More about our history What Does Jewelry Insurance Cover? We provide all types of jewelry insurance, including engagement ring insurance. Watches, earrings, and even loose stones while being set - yep, we cover those too. No matter the type of jewelry you insure, it'll be protected by our comprehensive repair or replacement coverage. This means that with specialized jewelry insurance, we step in and deal directly with your jeweler of choice in the event of a claim. Our claim professionals work with your jeweler to make sure your piece is repaired to your satisfaction or replaced with a piece that’s of the same kind and quality as the original. Plus, your coverage includes worldwide travel. Loss You left your ring somewhere—on a beach towel or in a public bathroom. It’s out there somewhere and you can’t find it. It’s covered. Theft We all know that feeling of dread when something we cherish is stolen. But you can rest assured that your stolen piece is covered, too. Damage You hit your diamond ring on the edge of a table and it cracks, or you're pulling on a sweater and a prong is bent. Accidents happen. We'll cover that. Disappearance Sometimes jewelry just disappears—it could be lost, stolen or hanging out in a drainpipe somewhere. You may not be able to explain how, where or when it vanished. Don’t worry, that’s covered. What Our Policyholders Say How Much Does Jewelry Insurance Cost? Insuring jewelry through Jewelers Mutual typically costs you 1-2% of the jewelry’s value, per year. There are multiple factors that determine the cost, including where you live. For example, take a look at these various locations and example premiums. $72/yr for a $5,000 ring in Dallas (75043) with a $100 deductible $38/yr for a $2,500 chain in Las Vegas (88901) with a $0 deductible $50/yr for a $3,000 bracelet in Chicago (60614) with a $0 deductible $98/yr for a $7,000 watch in Oakland (94577) with a $100 deductible $93/yr for a $5,000 ring in New York (10016) with a $100 deductible $55/yr for an $5,000 ring in Toledo (43460) with a $0 deductible $36/yr for an $2,500 watch in Orlando (32829) with a $0 deductible $84/yr for an $8,000 ring in Seattle (98107) with a $0 deductible Check Your Rate Estimate your rate in less than one minute. Just tell us what you need to insure, how much it’s worth and your zip/postal code. No personal information needed. Already have a quote? Retrieve your saved quote or application. GET PRICING *Coverage not available in Quebec All Things Jewelry Insurance, All in One Place We’re here to make this choice as easy as possible for you, every step of the way. That’s why we created a free guide to jewelry insurance to help you decide how to best protect your jewelry READ THE GUIDE TO JEWELRY INSURANCE 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.