Jewelry Coverage


Jewelers Mutual Insurance Company understands what jewelry means to our customers. We know how exciting owning jewelry is, and we also know how painful a jewelry loss can be. If the day ever comes when you call to report a loss, we’ll be there to listen to your story, share in your experience, and work with you and your jeweler to make you whole again.

Coverage that goes beyond the ordinary

Your jewelry isn’t ordinary, so don’t settle for ordinary insurance. Standard homeowners policies may only provide limited jewelry protection, often excluding jewelry damage and loss.

We cover real life

Perfect Circle® Jewelry Insurance by Jewelers Mutual is truly comprehensive coverage because we build our coverage around how you live your life. For example, we understand that if you have a jewelry loss, you can’t always pinpoint how or where your jewelry went missing so we cover mysterious disappearance. You live in your jewelry—it doesn’t stay pristine, gemstones get loose and prongs get damaged. We cover that. Replacing lost jewelry and repairing damages is an important part of our coverage. Check out our sample policy.

Worldwide coverage:

• Loss
• Theft
• Damage
• Mysterious disappearance

Same kind and quality

There is more to each piece of jewelry than meets the untrained eye. Our jewelry experts, including on-staff, certified gemologists, know that the value of a diamond goes beyond the “4 C’s.” We replace with “same kind and quality.” This is especially important when you have name-brand jewelry, such as Cartier or Harry Winston. Our goal is to make repaired or replaced jewelry virtually indistinguishable from the original.

Choose your own jeweler

Many homeowners and renters policies may request customers to use jewelry repair or replacement companies within their network, or to obtain several estimates before proceeding with a claim. We believe suffering the loss or damage of a diamond ring or other piece of valuable jewelry is hard enough. We do not require multiple estimates and we work with your own trusted jeweler.

Automatic coverage

Customers with an existing policy from Jewelers Mutual enjoy up to 30 days of automatic coverage (subject to a limit of up to $10,000) on any newly acquired jewelry items. This provides peace of mind for spontaneous purchases. We also offer optional coverage for jewelry you only wear for special occasions and for unscheduled jewelry not specifically listed in your policy.

Loose stones

Your policy covers loose stones while they are being set by your jeweler. This is important if you purchase stones on the internet or elsewhere and then work with your jeweler for mounting and setting of the stone. This coverage is not found in most personal jewelry insurance policies. 

No deductible option

The loss, damage, or theft of a treasured piece of jewelry shouldn’t force you to dig into your own wallet to repair or replace it. Every policy is available with a $0 deductible option.

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How is Perfect Circle Jewelry Insurance different from homeowners or renters insurance coverage?
Answer >>

Standard homeowners and renters insurance policies may impose limits on the value of personal jewelry they cover, and these values may be significantly less than the amount required to replace the jewelry. In the unfortunate event of a loss, they may send you to a jewelry repair company of their choice. With Perfect Circle® Jewelry Insurance coverage from Jewelers Mutual Insurance Company, you have the flexibility to work with your preferred jeweler for any repair or replacement of your items. In addition, standard homeowners and renters insurance policies may not offer coverage such as mysterious disappearance, which is included in our personal jewelry insurance policy.