Jewelers Mutual is our all-around favorite because it offers comprehensive coverage with no coverage limits for individual items or the whole policy. The company also doesn’t require any appraisals when you apply, and you don’t need to give a bunch of personal information just to get a quote.
Investopedia chose Jewelers Mutual for this list after our research showed that its lack of coverage maximums beat all the other companies we surveyed, which have at least some kind of cap. And it’s one of the few companies we surveyed that doesn’t require appraisals at all when you apply.
As with all of the providers on this list, Jewelers Mutual policies are all-risk, meaning they include coverage for all loss, theft, damage, and mysterious disappearances, such as thefts where there is no evidence. (Mysterious disappearance coverage is not included in most homeowners policies.) Jewelers Mutual also includes coverage for worldwide travel, natural disasters, and preventive maintenance.
Although the company only promises 100% replacement value, it does offer an undisclosed amount of inflation protection—which minimizes loss when your jewelry appreciates in value—and works with the jeweler of your choice to replace your item with something of like kind and quality.
The online quote process is easy to boot, requiring just your ZIP code, jewelry type, description, and value. You can apply online or buy Jewelers Mutual insurance through a jewelry store, which can be convenient. Partner stores can be found through the Find a Jeweler tool on the company website
Premiums are quite a bit higher than those of BriteCo, the price leader, though Jewelers Mutual’s premiums are typical for the industry. You’ll need to pay the annual premium all at once. But Jewelers Mutual will discount your premium if you have a home security system, store your jewelry in a safe deposit box, or submit documentation showing your item has been inscribed with an identification number known as a Gem ID.
Unlike some other companies, Jewelers Mutual excludes coverage for resizing, cleaning and inspections, and damage from rodents and pests. If you’re not wearing your jewelry, store it securely where pests can’t reach it.
Established in 1913, Jewelers Mutual is one of the older companies on this list. Its headquarters is in Neenah, Wisconsin.
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