I wanted to obtain a policy to cover my jewelry after learning that my homeowners policy had very little jewelry coverage. One never wants to experience a loss, but knowing we have a relationship... See more
Company replied
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Losing any piece of valuable jewelry is something that no one ever wants to go through, thankfully Jewelers Mutual exists. They made the experience endurable and worked quickly to get my fiancee's rin... See more
Company replied
Very easy and efficient process. Handled claim well and completely replaced my broken bracelet that could not be repaired. I had no out of pocket expense. Will def keep my jewelry insured with this co... See more
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I have been with JM for several years now and the experience is wonderful. We had to submit a claim a while back for my husband's band and it was super simple, we go a response within a few days (we s... See more
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Company details
About Jewelers Mutual Group
Written by the company
Jewelers Mutual Group was founded in 1913 by jewelers, for jewelers. We started out insuring jewelry stores and businesses; then, in 1953, we added coverage for personal jewelry like yours.
Why Jewelers Mutual?
We don't insure cars or houses or fancy purebred dogs. We insure jewelry and only jewelry. 💍 💎
We are the jewelry insurance experts.
Your jewelry isn’t ordinary, so don’t settle for ordinary insurance.
Jewelry Insurance Coverage
No matter the type of jewelry you insure, it’ll be protected by our comprehensive repair or replacement coverage. Here’s what’s covered under Jewelers Mutual:
- Loss: You left your ring somewhere (like on a beach towel or restaurant). You know it’s out there but you can’t find it. It’s covered.
- Theft: We know the feeling of heartbreak when something you love is stolen. But rest assured, your stolen piece is covered.
- Damage: You hit your engagement ring on the edge of a table, and it cracks. We’ll cover that.
- Disappearance: Your jewelry could be lost, stolen or at the bottom of a lake. You may not be able to explain where it is or how it vanished. Don’t worry, that’s covered.
- Worldwide Travel: You can travel across the globe and not have to worry about wearing your favorite jewelry.
Homeowners Policy vs. Jewelry Insurance
Most homeowners insurance policies do cover jewelry to some extent. In many cases, however, your coverage is limited by:
- Limitations or exclusions on situations covered
- Requirements to use jewelry replacement companies
- Needing several estimates before settling a claim
- Coverage value limits (leaving the rest up to you)
Keep in mind, a jewelry claim filed against your homeowners policy could affect your entire policy, meaning your premium could go up or your eligibility for your entire homeowners policy could be affected at renewal.
With a Jewelers Mutual policy, one of our jewelry experts connects you with the jeweler of your choice to find the same kind-and-quality replacement. All the work is done for you behind-the-scenes by someone who specializes in fine jewelry.
Trust your home to a homeowners policy, but trust your jewelry to the jewelry insurance specialists.
Contact info
24 Jewelers Park Drive, 54956-3703, Neenah, United States
- 888-884-2424
- personaljewelry@jminsure.com
- jewelersmutual.com
4.7
Excellent
15K reviews
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Very seamless and helpful!
17 April 2026
Reply from Jewelers Mutual Group
That's what we strive for, Katie!
Smooth and simple application process
10 April 2026
Reply from Jewelers Mutual Group
We're happy to hear it was simple for you, Gregory!
I have used Jewelers Mutual for years…
I have used Jewelers Mutual for years now. I have lost earrings and my wedding ring had some damages. They have always been quick to solve the claims and I love wearing my nice jewelry and feeling protected. I recommend them to all my friends and family!
16 April 2026
Reply from Jewelers Mutual Group
Hi Courtney, we appreciate your loyalty very much! We're happy you have that peace of mind and are able to wear your pieces. ✨
A duplicate payment was processed on…
A duplicate payment was processed on 4/1/26 for my policy renewal, but not reflected anywhere on the portal. The overpayment was also not reflected. When I contacted customer service they acknowledged this 'bug' and said the payment would be forthcoming. I contacted them a week later and was told the funds would be released by 4/16. Why is that? If I had not contacted them, would the funds have been released?
1 April 2026
Reply from Jewelers Mutual Group
Hello, we definitely understand your frustration! After speaking with our internal team, we've confirmed that refunds can take up to 15 days due to how refunds are processed through billing and banking systems. We did confirm with our team that the refund has been processed and cleared. We apologize for the delay!
Reply from Jewelers Mutual Group
John, you said it! 😉
Pricing is extremely affordable
Pricing is extremely affordable, and easy to navigate online for any changes or updates I need to make.
31 March 2026
Reply from Jewelers Mutual Group
Hi Terri, we're glad to hear it's been easy for you!
Looking to insure your jewels then look no further. I have used Jewelers Mut for the…
I have used Jewelers Mutual for the past few years and very satisfied with their service follow up, and the company takes care to make sure your satisfied with coverage and reminds you when appraisals need to be updated. Their coverage rates are very reasonable, and knowledge of their products are excellent. It would not hurt to get a quote on your precious jewels, you may be quite surprised!
14 April 2026
Reply from Jewelers Mutual Group
We're so happy to hear you've had a positive experience, Michael! Thank you for your loyalty and the kind words ☺️
1900 Diamond Ring
When I discovered the center diamond from my 1900s ring which was passed onto me by my mother who had recently passed away, I was devastated.
I was told by another jeweler the stones would never be able to be replaced. Jewelry Mutual was fabulous. I had an antique jeweler, The Rambling Rose in Orange CA find the perfect period correct diamond, who worked with Jewelry Mutual and within 2 weeks had my mother’s precious ring back.
11 March 2026
Reply from Jewelers Mutual Group
Hi Gaye, we are so happy your heirloom ring could be restored to it's original beauty!
Jeweler’s Mutual is great
Jeweler’s Mutual is great! Excellent website and App. Easy to work with, and most importantly great coverage!
10 April 2026
Reply from Jewelers Mutual Group
Thank you so much for the kind words, Brian!
Easy to setup, easy to maintain!
It was very easy to set the policy up and now it's on automatic renewals so I can be at peace knowing I am covered!
10 April 2026
Reply from Jewelers Mutual Group
We're so happy you're able to have that peace of mind! ☺️
diamond earrings
My wife had lost her diamond earrings and handled my claim quickly and stress free. I highly recommend this company
1 April 2026
Reply from Jewelers Mutual Group
Kevin, we're happy to hear your claim was handled quickly and smoothly!
Replacing my lost earring
Replacing my lost earring was made effortless!
Much appreciated
18 March 2026
Reply from Jewelers Mutual Group
Eileen, we're so happy to hear that!
The claims process was smooth and super…
The claims process was smooth and super easy! I was afraid it would take a really long time, but once it was approved, everything was completed quickly!
8 April 2026
Reply from Jewelers Mutual Group
Hi Natalie, we're so happy to hear that it was quick for you!
They have great employees who walk you…
They have great employees who walk you through every process and make jewelry insurance a breeze!
7 April 2026
Reply from Jewelers Mutual Group
Hi Andres, we pride ourselves on our dedicated team!
Reply from Jewelers Mutual Group
Hi Peggy, thank you for the kind words!
Jewelers Mutual Group
Jewelers Mutual Group provides a great service. The online process works very well. Good coverage options at an affordable price. We are very satisfied with their service.
30 March 2026
Reply from Jewelers Mutual Group
Hi Mike, we're so happy to hear you're satisfied!
Reply from Jewelers Mutual Group
Hi Cynthia, we're happy you're feeling more peace of mind now! ☺️
Great insurance rates for jewelry
Jewelers mutual makes getting jewelry insurance really easy , they update your insurance along with the rise and fall of gold and silver rates. I'd recommend jewelers mutual to anyone looking for great insurance on they're valuables
4 April 2026
Reply from Jewelers Mutual Group
Thank you so much for the kind words, Kermie!
I cannot express how grateful I am for…
I cannot express how grateful I am for this company. They are wonderful to work with and very understanding. They have made experience very straightforward and simple.
4 March 2026
Reply from Jewelers Mutual Group
Hi Robert, we're so happy to hear that your experience has been simple!
Jewelers Mutual Group made my claims…
Jewelers Mutual Group made my claims experience easy and quick!
2 April 2026
Reply from Jewelers Mutual Group
Hi Rhonda, we're so happy to hear it!
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