Peace of Mind for Every Piece

Discover Specialized Jewelry Insurance with Jeweler Mutual

Jewelry insurance is only as good as the company standing behind it. That is why we are proud to introduce you to the Jewelers Mutual Group—a company that has been insuring jewelry, and only jewelry, for over 100 years.
Whether you are newly engaged, a dedicated jewelry collector, or looking to protect high-value pieces in your home, specialized coverage ensures your most cherished items are protected.

What We Cover

Jewelers Mutual provides comprehensive repair or replacement coverage for all types of jewelry—even loose stones while they are being set.
  • 💍 Rings
  • ⌚ Watches
  • 📿 Necklaces & Charms
  • ✨ Earrings & Bracelets

Unmatched Coverage Highlights

Standard homeowners or renters insurance often falls short when it comes to fine jewelry. Jewelers Mutual's coverage goes beyond typical policies to protect against common perils, and it includes worldwide travel.

Your pieces are protected against:

  • Loss
  • Damage
  • Theft
  • Disappearance

The Jewelers Mutual Advantage

Benefit
Description
Your Trusted Jeweler

If something happens to your jewelry, you get to work with your jeweler of choice to repair or replace your piece with the same kind and quality—like it was before.

Nationwide Coverage

Coverage is available in all 50 states.

No Maximum Value

Includes scheduled items of any value, with no maximum value limit.

Flexible Deductibles

Choose from flexible deductible options ranging from $0 to $100,000, which can be applied per item.

Security Discounts

Discounts are available if you utilize safes and alarm systems.

Reach out today to discuss how we can help you secure your collection and ensure true peace of mind for every piece!

FAQ:

What documentation do I need?

Most policies (>85%) are issued via straight through processing and require no documentation.

Although not required for policy issuance in all circumstances, we recommend that agents or customers submit documentation that shows the description and value (appraisal, detailed sales receipt, prior declarations page, screenshots from an internet purchase, serial/model number or warranty card for watches) at time of application. Documents can be uploaded during the quote flow or after binding via this portal, email to personaljewelry@jminsure.com.

In the event an appraisal is required by the underwriter, it must be dated within the last two years.

What is the difference between Jewelers Mutual and Homeowners Insurance?

Coverage/Feature
Jewelers Mutual
Typical Homeowners/ Renters Insurance
Typical Riders

Loss

Theft

Damage

Not always covered

Not always covered

Disappearance

Natuarl Disasters

Not always covered

Not always covered

Worldwide Travel

Not always covered

Preventative Maintenance

Not always covered

Not always covered

$0 Deductible Option

Deductible applies

May have deductible

What kind of payment plans are offered?

2-pay Plan: “Semi-Annual”. First payment due when issued or on policy effective date at renewal. Second Invoice sent out 180 days (6 months) later. Eligibility: Premium is $200 or more.

4-pay Plan: “Quarterly”. First payment due when issued or on policy effective date at renewal. Remaining invoices sent every 90 days (3 months) until premium is paid in full. Eligibility: Premium is $400 or more.

8-pay Plan: First payment due when issued or on policy effective date at renewal. Remaining invoices sent every month until premium is paid in full. Eligibility: Premium is $800 or more.

12-pay Plan: First payment due when issued or on policy effective date at renewal. Invoices sent every month. Eligibility: Premium is $1200 or more.

What is the minimum premium?

$30- CO, CT, FL, IL, MA, ME, NV, NH, NJ, NY, PA, RI, SC, UT, & VT

$25- All Other States