We are the jewelry insurance experts

Insuring jewelry and jewelry businesses is our only business! We have gemologists on staff, as well as underwriters and customer service representatives who are licensed insurance agents and are knowledgeable about jewelry. Since 1913, Jewelers Mutual has specialized in insuring jewelry and jewelry businesses throughout the United States. We are well known and trusted in the jewelry industry. A.M. Best, an insurance company rating organization, gives us an A+ for our continued financial stability.

Comprehensive protection for your scheduled jewelry

Our Personal Jewelry Insurance program provides protection for loss, theft and damage. We even cover mysterious disappearance. The standard homeowners policy provides only limited coverage for jewelry. Jewelry losses you experience with Jewelers Mutual will not affect your existing homeowners policy or premium. The policy is available with no deductible, unless you choose one.

Replacement with like kind and quality

We repair or replace your insured jewelry item with one of like kind and quality. We return you to the same position that you were in before the loss.

You work with your preferred jeweler for repairs and replacements covered by the policy. In most cases, this is the jeweler from whom you purchased the item or who provided your insurance evaluation/appraisal. Other insurers contract with replacement companies for repairs and replacements. With Jewelers Mutual, you won't have to see a stranger to have your jewelry repaired or replaced. We also won't make you get several estimates.

Regular inspections

To help reduce losses and to assure that your jewelry is insured for the proper value, we require periodic inspections of your insured items. During inspections, your jeweler can identify small problems, such as loose stones, worn prongs, and faulty clasps, before they become bigger ones. Most jewelry values increase over time, so routine inspections are important for maintaining current values and adequate insurance limits. Inspections also are a great opportunity to have your jewelry cleaned.

Coverage for unscheduled jewelry

Our unscheduled jewelry option provides limited coverage for jewelry valued at $1,000 or less. You can add this option to your policy in $1,000 increments without an insurance evaluation/appraisal. The premium rate for insuring unscheduled jewelry is $15 per $1,000 of value, up to a $5,000 total limit. This coverage has a $100 deductible. To qualify for this coverage, you must have at least one item of jewelry scheduled on your policy with an insurance evaluation/appraisal. Call or e-mail us to add this coverage to your policy.

Convenient payment plans

You may pay your insurance premium by check or credit card. If your premium is more than $200, we offer affordable payment plans.

Security system discount

You may qualify for a premium discount if you have a central station alarm system and insure $15,000 or more of personal jewelry. To qualify for an alarm credit, provide us with a copy of the alarm company's maintenance agreement.

More than insurance

In addition to insuring jewelry, we offer advice about preventing losses and caring for your valuables. We provide exceptional service to meet your needs.

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