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WHY JEWELRY INSURANCE?


Your favorite pieces of jewelry are more than valued possessions. They’re reflections of who you are. They’re symbols of your feelings for loved ones and of life-long relationships. Protecting them from theft, damage, mysterious disappearance, or loss is as natural and important as protecting anything of great value. 

More than a monetary investment

Consider everything that went into the jewelry purchase, whether it was by you or by the person who gave you the piece as a gift. The hours, days, or weeks spent shopping. Working with a jeweler or craftsperson to customize or engrave the piece. Choosing the perfect time and place to present it. We pour our hearts into jewelry protection because we understand what it symbolizes.


Preserving memories

To many, jewelry serves as a physical reminder and connection to life’s most cherished memories. Protecting jewelry with jewelry insurance helps preserve these memories. The anniversary band that recalls the day you were married. The watch your father gave you on your graduation. The diamond tennis bracelet you bought yourself after a promotion, thinking maybe you shouldn’t, but then were glad you did. 

Jewelry should be worn, not locked away

Think of your most valued possessions. An engagement ring. An heirloom necklace. A pendant. These aren’t things that should be locked away. They should be worn, enjoyed, and lived in. We offer the very best in jewelry insurance because freedom from worry is a valuable gift in itself. This is why so many of our customers make jewelry insurance part of their jewelry gift.
 

Why look to the jewelry insurance experts

We’ve seen the tears of joy in a customer’s eyes when a treasured piece of jewelry, presumed lost, is painstakingly recreated and delivered into their hands. Every detail, every facet, every minute engraving, absolutely everything matters. Only jewelry insurance experts, who understand that every piece of jewelry is as unique as its owner, can fulfill this promise. That’s why when you have Perfect Circle Jewelry Insurance by Jewelers Mutual Insurance Company, we’ll replace your lost engagement ring, broken watch or stolen diamond earrings down to the finest detail.

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FAQs

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.

At what value should I start to insure jewelry?
Answer >>

The value insured is based on the proper documentation provided in the application process. The item is insured based on the full appraised value, as this is what it will cost in the current market to repair/replace your item. If you’re unsure of whether your jewelry is valuable enough to insure, ask yourself what the impact of a jewelry loss would be to you if it could not be replaced. Our minimum annual policy premium is $25. You can weigh that against the appraised value of your item to help make your decision. As always, you can ask us at 888-884-2424.