A fine piece of jewelry is worth protecting the day you take it home. A dedicated jewelry insurance policy covers the things a standard homeowners or renters policy often limits — and filing a jewelry claim doesn't put your home policy at risk.
What a Dedicated Policy Covers
Through Jewelers Mutual — the insurer that has specialized in jewelry since 1913 — a personal jewelry policy typically covers:
- Loss — you left it behind or it slipped off
- Theft
- Damage — a cracked stone, a broken prong, a crushed band
- Mysterious disappearance — it's gone and you can't explain how
- Worldwide travel — coverage follows your jewelry wherever you go
Policies are repair-or-replacement: if something happens, the piece is repaired or replaced with one of like kind and quality, and you can work with the jeweler of your choice. Deductible options are available, including $0, and coverage typically costs about 1–2% of the piece's value per year — for example, around $50–$100 a year for a $5,000 ring.
How to Insure a Piece
- Know its value. Keep your Kings Jewelers receipt; for higher-value pieces, an appraisal documents the details an insurer needs.
- Get a quote. It takes a few minutes online — you'll describe the piece and its value.
- Activate coverage. Once your policy is issued, your piece is protected against loss, theft, and damage worldwide.
Get a Quote with Jewelers Mutual
Have questions before you insure? Call us at (954) 441-3700 or stop by the store — we're happy to walk you through what a piece is worth and what paperwork you'll need.
Kings Jewelers is not an insurance company or insurance agent. Personal jewelry insurance is provided by Jewelers Mutual Group. Coverage is subject to underwriting, and to the terms and conditions of the policy issued. This page is a general overview, not a policy document.