• Choose a deductible that fits your budget, as low as $0.4 Discounts may be available if you have a home alarm, store your jewelry in a safe deposit box, or possess a diamond grading report from an approved company.*
*Must be approved by underwriting.
• Get your jewelry repaired or replaced with a new item that’s of the same kind and quality as the original, up to your applicable policy limit.
• We work directly with your trusted jeweler of choice, not a generic third party, in the event of a claim to provide a highly rated, smooth experience. File a claim any time using our Quick Claim Tool.
Sometimes jewelry just disappears- it could be lost, stolen or hanging out in a drainpipe somewhere. We realize you can't always pinpoint how or where your jewelry disappeared, so we cover disappearance.
Did you know... most standard homeowner policies don't cover disappearances?
Jewelry that's loved is worn often and is likely susceptible to normal wear and tear. Something as simple as tightening loose stones could cost hundreds of dollars. With a Jewelers Mutual Policy, we cover the following normal wear and tear to make sure your jewelry is good as new:*
• Prong retipping • Broken, worn or bent prongs • Broken earring posts • Clasp replacement • Restringing of broken or stretched pearl strands • Stone tightening
*Subject to availability, coverage may not be available on all policies.
IVA or Insurance Value Adjustments, is a complementary service, applied to the values of your jewelry to compensate for market changes in jewelry’s value. This helps lessen the impact of a loss but isn’t always enough. It is always important to get updated valuations from your jeweler to get the best protection.*
*Only applied when your item’s appraisal is older than two years at the time your policy is renewed.
Sources: 1Jewelers Mutual Group: 3 Common Places for Jewelry Theft 2Jewelers Mutual Group: Evaluating claims data since 2017 3Jewelers Mutual Group: 2022 policyholder data in the U.S. and Canada 4Subject to Underwriting review and approval
*All information retreived from jewelersmutual.com on 04/18/2023. Please contact us to learn about any changes.