Jewelry Insurance backed by 110 years of expertise

Jewelers Mutual was founded in 1913 by a group of Wisconsin jewelers to meet their unique insurance needs. Later, consumers began putting their trust in Jewelers Mutual to protect their jewelry and the special memories each piece holds. 

Today, Jewelers Mutual continues to support and move the industry forward by listening to jewelers and consumers and offering products and services to meet their evolving needs. 

Beyond insurance, Jewelers Mutual’s powerful suite of innovative solutions and digital technology offerings help jewelers strengthen and grow their businesses, mitigate risk, and bring them closer to their customers. The Group insurers’ strong financial position is reflected in their 39 consecutive “A+ Superior” ratings from AM Best Company, as of December 2025. Policyholders of the Group insurers are members of Jewelers Mutual Holding Company. 

Jewelers Mutual is headquartered in Neenah, Wisconsin, with other Group offices in Dallas, Miami, and Raleigh, North Carolina. To learn more, visit JewelersMutual.com.

What does Jewelry Insurance cover?

• Loss: You can trace it back— your bracelet slipped off at the dog park. You can point to the moment it went missing, and you’re covered.  
• Theft: In the event of a robbery, we’ll make you whole again with an item that’s the same kind and quality.
• Damage: Slam, smash, ding. Jewelry has accidents, too. We cover those.

And more!

What will it cost me?

Insuring jewelry through Jewelers Mutual typically costs you 1-2% of the jewelry’s value, per year.

There are multiple factors that determine the cost, including where you live. For example, take a look at these various locations and example premiums.

You’re wondering if Jewelry Insurance is worth it 

It is. If your jewelry is valued at $1,500 or more, has real sentimental value, or would be a financial burden to replace, a standalone jewelry insurance policy is your best protection against life’s more unpleasant surprises.

Not sure of the value of your piece?

Knowing the value of your jewelry and watches helps determine how much coverage you'll need. Since markets fluctuate, it's a good idea to get your valuables appraised by a jeweler every two years (most jewelry stores offer this service). You might be surprised--some pieces may even be worth more than the price you paid for them.

 Learn more about our appraisals