Losing or damaging your jewelry is difficult to handle. Filing a claim shouldn’t be. Discover what makes our jewelry insurance claims process so easy and learn how filing a claim works.
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TRACK A CLAIM
If you have specific claims inquiries or need more information, please call our team at 888-884-2424 or email us at [emailprotected]. Our hours are 7 AM - 5 PM CST, Monday through Friday.
How Does Filing a Jewelry Insurance Claim Work?
The Jewelers Mutual claims process was designed with you in mind.If one of your pieces has been lost, stolen, or damaged, you’ve been through more than enough stress and hardship. That’s why we made filing a jewelry insurance claim as quick and simple as possible.
Step by Step
Don’t wait! Report your jewelry loss or damage as soon as possible!
Start a New Claim
By telling us what happened and providing all the necessary information.
After submitting your claim, you’ll receive an automated email. Your claims examiner will reach out to you within 4 business days to guide you through the next steps.
Work With Your Preferred Jeweler
To handle your repair or replacement. Before your jeweler proceeds with any repairs or replacements, we ensure that you approve all decisions.
For repairs, take your item to your jeweler, and we will authorize them to proceed with your claim.
For replacements, we pay today's cost to replace with a piece of the same kind and quality or up to the coverage limit for that item, whichever is lower. You can also choose to upgrade to a more expensive piece, paying your jeweler for the difference.
Pay Your Deductible
Directly with your jeweler when you pick up your piece.
If it was restored to its original state, no further action is needed. For entirely replaced jewelry, reach out to customer care to add the new piece to your insurance policy.
Hassle-Free Repair or Replacement Coverage
At Jewelers Mutual Group, we offer a "repair or replacement policy," meaning we take care of all the legwork if your jewelry requires repair or replacement. You don't have to worry about explaining every detail of your original piece for the jeweler to match it. Our claim professionals ensure that the repaired or replaced jewelry meets the same standards as your original piece.
Other insurance policies may offer a "cash-out" option, where they send you a check to cover repairs or replacements. This means you're left to navigate the emotional and logistical challenges of finding a comparable replacement piece on your own.
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What Do I Need to File a Jewelry Insurance Claim?
All Claims
Brief Written Statement
We’ll need the policyholder to draft a quick and simple explanation of how the loss or damage occurred. In some instances, we’ll need an additional statement from other named individuals on your policy.
Proof of Ownership
We need to be sure we’re protecting the right piece for the right person, so we’ll need a receipt, an appraisal, or a dated photo of the jewelry that proves the piece is yours. Learn why getting regularly scheduled appraisals is so important.
Specific Claims
Police Report
In certain instances of loss or theft, we’ll need a police report to help us complete the process and get your jewelry replaced as soon as possible. We’ll let you know if this is necessary for your claim.
Deductibles: Why You Pay Your Jeweler Directly
When filing a jewelry claim, a deductible refers to the amount you must pay out of pocket before your insurance coverage kicks in for a lost, stolen, or damaged piece. Generally, opting for a lower deductible results in reduced out-of-pocket expenses when making a claim, but this often comes with a higher premium.
We offer flexible deductible options, as low as $0.
If your policy has a deductible, you’ll pay that directly to your jeweler when you pick up your repaired jewelry or replacement jewelry. This saves you the hassle of following up with us or dealing with a large, unexpected bill in the mail. Through our excellent relationships with jewelers, they’re able to quickly reach us to settle the money matters so you can focus on enjoying your restored jewelry.
If your policy has a $0 deductible and the cost of a replacement is not more than what you insured your original piece for, you pay nothing.
Frequently Asked Questions
What’s covered?
Jewelers Mutual offers an "all-perils" policy, meaning you're protected from nearly every possible risk unless explicitly stated otherwise in your policy. This comprehensive coverage typically includes protection against loss, theft, damage, disappearance, natural disasters, inflation, normal wear and tear, and while you’re traveling worldwide.
There are a few unusual situations we don't cover, like war and military action, rodent and pest infestation, intentional actions or voluntary parting and deterioration.
For specific details about your coverage, please review your policy documents.
Where can I find a copy of my policy?
If you’re signed up for paperless delivery, you can view your policy documents by logging into your online account and navigating to the eDocuments tab. Your policy number can be found on your policy paperwork. You can also call us at 888-884-2424.
What should I do if I find my lost jewelry?
If you haven’t gotten your repair or replacement yet, just let us know and we’ll close your claim. If you already have your new jewelry, you can return either the original or the replacement to us.
How does the claims process work for insuring a rare piece of jewelry?
In the event of a claim, your jewelry will be repaired or replaced with an item of the same kind and quality. Our claims process involves direct collaboration with your jeweler. For instance, if something would happen to your custom Harry Winston necklace, we will liaise directly with Harry Winston to ensure the replacement is closely matched, preserving the uniqueness of your precious piece.
What if the jeweler can’t find the same stone I had?
We will authorize the jeweler to replace your insured item with a stone of the same kind and quality. If an exact match is unavailable, we will make every effort to find a comparable piece. Before your jeweler proceeds with any repairs or replacements, we ensure that you approve of all decisions.
What People Are Saying
Best Jewelry Insurance Company
They have been there for my jewelry coverage for many years. They are the best. I tell everyone.
Janice M.
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The BEST Jewelry Insurance Company
Extremely helpful. Never an issue with a claim. They answer the phone when you call. They are the best. Jewelers Mutual has been money well spent for the peace of mind.
Dan H.
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The Best Around
Cost effective and best jewelry insurance around. All interactions over the phone have been great and easy, and online portal is easy to navigate. Feels great to know our precious valuables are protected.
Nathan H.
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BEST CUSTOMER EXPERIENCE
Customer service agent was very informative and made me trust her, She related, reassured, and closed the deal.
Azia T.
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Extensive Coverage at Affordable Price
The best coverage for the money spent.
Sterling S.
Trustpilot Review
Company Has Amazing Service and...
Company has amazing service and integrity! I had a diamond that developed a crack. 72 hour turnaround from the time JM received the stone till my jeweler received replacement check! No hassle! Best insurance ever!!!!
Deedee S.
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About Our Claims Team
Discover the difference that a team of proven experts can make. With over 150 years of combined experience, our claims team has consistently maintained a world-class Net Promoter Score (NPS) for the past decade. NPS is a key indicator of customer satisfaction and loyalty, reflecting how likely customers are to recommend our services to others.
If you have specific claims inquiries or need more information, please call our team at 888-884-2424 or email us at [emailprotected]. Our hours are 7 AM - 5 PM CST, Monday through Friday.
We look forward to serving you.
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