What Does Jewelry Insurance Cover?

With a policy from us, you get protection from almost every imaginable risk life may throw at your jewelry.

• Loss: Losing your jewelry can feel like losing a part of yourself. Whether your piece fell off at the beach or was left in a public restroom, we cover your loss so you can feel whole again.
• Theft: It’s easy to feel helpless when your jewelry is stolen from you, but we’re here to help. In the unfortunate event of theft, we’ll replace your item with one of the same kind and quality.
• Damage: You hit your diamond ring on the edge of a countertop, and it cracks, or a prong is bent from getting caught on something. Accidents happen. We’ll cover that.
• Disappearance: Sometimes jewelry just disappears—is it lost, stolen? Who knows? You can’t explain how, where or when it vanished. Don’t worry, that’s covered.
• Protection from Natural Disasters: We understand natural disasters can strike at any moment, but our coverage was made for real life. If a flood, tornado, hurricane or earthquake causes your jewelry to get lost or ruined, you’re still covered.
• Worldwide Travel: Go ahead. Book that Caribbean cruise or European vacation. You’re covered globally while traveling.
• Inflation Protection: Your jewelry’s value has risen due to market changes—fantastic! However, it’s currently insured for less than its worth. No worries—we offer a complimentary Insurance Value Adjustment (IVA) service. In case your jewelry appreciates due to inflation or market shifts, we’ll adjust its value to help minimize the impact of a potential loss. To ensure the best protection, remember to get updated jewelry appraisals for your items. You have the option to decline the IVA service, which may be applied when your item’s appraisal is more than two years old at the time of policy renewal.
• Normal Wear and Tear: Normal wear and tear refers to the gradual wearing or damage that occurs over an extended period of use, such as needing to retip a prong or tighten a stone.

We Don’t Cover

There are a few unusual situations we don’t cover, including war and military action, rodent and pest infestation, intentional actions or voluntary parting, deterioration, resizing, cleaning and inspections.

What Types of Jewelry Are Covered?

Jewelers Mutual insures a wide variety of types of jewelry including necklaces, bracelets, earrings, pearls, and brooches. Learn about our specialized jewelry insurance and the benefits you can expect by putting your trust in us.

• Engagement Ring: Engagement, diamond, wedding ring insurance
• Watch Collections: Insurance for luxury watches and watch collections
• High-Value Jewelry: Insurance for jewelry collections over $250K