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

Loss

You can trace it back— your bracelet slipped off at the dog park. You can point to the moment it went missing, and you’re covered.

Theft

In the event of a robbery, we’ll make you whole again with an item that’s the same kind and quality.

Damage

Slam, smash, ding. Jewelry has accidents, too. We cover those.

Disappearance

Your earrings are gone, and you have no clue how or when it happened. No explanation, just missing. That’s covered too.*

Natural disasters

If your jewelry gets damaged in a flood, tornado, hurricane, or earthquake, you’re covered for its repair or replacement.

Worldwide travel

Your jewelry is covered globally while traveling.

Inflation protection

If your appraisal is over two years old at renewal, we automatically adjust coverage limits every two years to help keep up with rising jewelry values.**

Preventive maintenance

We cover proactive jewelry care, including prong re-tipping and repair, stone tightening, earring post and clasp replacement.*

Not covered

Loss or damage of items due to war or military action, rodent and pest infestation, intentional actions or voluntary parting, deterioration, resizing, cleaning and inspections.

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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

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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

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Estimate your rate

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

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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.

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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.

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Pay your premium

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

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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.

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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.

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

Rated “Best for Preventive Maintenance” by CNBC Select (2026)

Learn more about our recognition and awards

Featured in

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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

As of Nov 2025, JMIC, SI earned an

A+

Superior Rating from A.M. Best for the 39th year in a row, highlighting our financial strength and reliability to pay claims

Over

1,000,000+

customers insured

Chosen by some of the nation's largest home and auto insurers to safeguard their customers' jewelry

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.

Pleasant people answer the phones, not machines. They quickly get you to the person you need to speak to, not a voicemail. Their rates are extremely competitive. What more could you ask for from an insurance company?

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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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

Diamonds

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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.

June 5, 2025

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.

May 1, 2024

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!

April 28, 2025

Homeowners & renters

Read: 3 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.

July 2, 2024

*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.

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