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
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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
- #3 of 7 best companies in Jewelry and Watch Insurance Company
- #11 of 22 best companies in Business Insurance Company
- #48 of 117 best companies in Insurance Agency
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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There were too many hoops to jump…
There were too many hoops to jump through, and the process was made more difficult than it had to be. My existing appraisal documents weren’t approved, so I had to spend additional $1,000 and my time finding another appraisal. They asked for money to be collected multiple times after payment had already been submitted, and made it difficult to get a discount for having an existing alarm system (which I never received). I wouldn’t recommend using in the future.
April 22, 2026
Reply from Jewelers Mutual Group
Hi Carolyn, we're sorry to hear about your negative experience and appreciate your feedback. Our aim is to always provide exceptional service and support.
Wonderful company to work with!
I was devastated when I lost my grandmother's ring, but Jewelers Mutual made the whole process of replacing it easy and stress free. The claim process was easy to understand and complete on my own. The communication with them was quick and positive and they answered any questions that I had in a professional and caring way. They worked well with the jeweler I chose and kept in contact with me on the progress of the claim until the day I got to pick up my new ring. I would highly recommend this company to anyone who is looking to insure their items. I am absolutely going to add my new ring to my policy with my other jewelry so that I can have peace of mind that it will forever be safe and protected.
April 29, 2026
Reply from Jewelers Mutual Group
Hi Anna, thank you so much for the kind words! We're glad you were able to get a replacement for your grandmother's ring and peace of mind that your jewels will be protected.
Reply from Jewelers Mutual Group
We're happy to hear it, Evelyn. ☺️
Amazing claims experience.
Amazing claims experience, fast and seamless. Highly recommended. The claims adjuster was amazing.
April 16, 2026
Reply from Jewelers Mutual Group
That's what we aim for, Steven! We're happy to help.
Reply from Jewelers Mutual Group
Thanks for the positive words, Brittany!
Easy to use and understand!
April 26, 2026
Reply from Jewelers Mutual Group
We're glad to hear it, Brenda!
Secure and Safe
I can rest knowing my jewelery is protected and the process was easy and renewal was handled seamlessly
April 26, 2026
Reply from Jewelers Mutual Group
We're happy to give you that peace of mind, Vikki ☺️
Explain everything that I needed to do
April 20, 2026
Reply from Jewelers Mutual Group
Thanks for the positive feedback, Marjorie!
Easy to sign up and actually able to get in contact with a real person.
Easy to sign up and actually able to talk to a person when I wanted to.
April 20, 2026
Reply from Jewelers Mutual Group
Hi Phillip, we're so glad to hear it! That's what we aim for ☺️
All my dealings with your company have…
All my dealings with your company have been speedy and very professional. Your online survey was quick and easy. Nancy has always been very kind and caring.
April 24, 2026
Reply from Jewelers Mutual Group
Hi Linda, thank you so much for the kind words and giving Nancy a shout-out! We're always here to help.
The personal care and service from the…
The personal care and service from the agent over the phone was outstanding. The price is great and coverage is the best overall.
April 17, 2026
Reply from Jewelers Mutual Group
Hi Michael, we're happy to hear that as that's what we strive for. 💪
Reply from Jewelers Mutual Group
We're so happy to hear that!
Reply from Jewelers Mutual Group
Thank you for the kind words, Teresa!
Straightforward and Easy to Deal With
Jewelers Mutual makes jewelry repair/replacement process so easy. Once I submitted my claim & estimate for repair, they approved it in a timely manner and contacted the jeweler to proceed. They are absolutely the best in my opinion and I highly recommend insuring your jewelry with them.
March 25, 2026
Reply from Jewelers Mutual Group
Hi Kristy, we appreciate the recommendation! We strive to make the process smooth and easy. ☺️
Great company to do business with!!
Whether you are talking with a representative or working online, you will feel confident in the services they provide. Their prices are fair and I can wear my jewelry and know that I will be taken care should something happen. Great company to do business with and I recommend it as often as I can to my friends and family.
April 20, 2026
Reply from Jewelers Mutual Group
Thank you so much for the recommendation, Karen! We're happy that you're able to feel confident and protected when wearing your jewels. ✨
Highly recommend
Highly recommend. So easy and fast. Unlike any other insurance experience I’ve had.
April 12, 2026
Reply from Jewelers Mutual Group
Hi Tony, thank you so much for the kind words!
No one knows how to communicate
No one knows how to communicate. Prices are different and charge dates are different
April 19, 2026
Reply from Jewelers Mutual Group
Hi Karen, we understand your frustration! Every situation is unique, and we do our best to advise on premium changes professionally and personally. If you have any questions, please reach out to 888-884-2424.
Quick and painless service
The claim filing process was user friendly and expedient. We were extremely impressed with how quick the process was from filing the claim to having the repaired ring back. Quick and easy service!
April 7, 2026
Reply from Jewelers Mutual Group
Hi Blake, thank you for the kind words! We're happy to hear the process was quick and easy for you.
Reply from Jewelers Mutual Group
Hi Patricia, we're so happy to hear the online process was easy for you!
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