Jewelry Insurance Through Jewelers Mutual
Protect What Means Most
Your jewelry holds memories that no policy can fully replace. But the right coverage can rebuild a ring, restore a watch, and ease the pain of a loss. We help our customers protect their pieces through Jewelers Mutual, the country's leading jewelry insurance specialist since 1913.
Get a Free QuoteWhy Insure Your Jewelry
Beyond Homeowners Coverage
Standard homeowners and renters policies often cap jewelry coverage at a few thousand dollars and exclude common losses entirely. Specialized coverage closes those gaps.
Built for Jewelry Since 1913
Jewelers Mutual was founded by jewelers more than a century ago. They understand replacement value, craftsmanship, and what it takes to make a piece whole again.
Repair Before Replacement
If your piece can be repaired by your jeweler of choice, your insurance covers the work. We can handle most repair work right here at our bench.
What's Covered
Jewelers Mutual's Personal Jewelry Insurance covers the moments standard policies leave out.
Loss
The piece is simply gone with no clear cause.
Theft
Stolen at home, on the road, or anywhere in between.
Damage
Bent settings, chipped stones, snapped chains, all repairable through your coverage.
Mysterious Disappearance
The ring that came off in the ocean. The earring that slipped down the drain.
Worldwide Coverage
Travel with confidence. Your coverage follows your jewelry anywhere.
No Deductible
Most policies carry no deductible, so your full repair or replacement is covered.
Specific terms and exclusions vary by policy. Jewelers Mutual will outline coverage details when you receive your quote.
Why Quote Through Canton Jewelry
You don't need to go through us to insure your jewelry, but it helps when your jeweler and your insurer already work together.
- ✓We provide insurance-grade appraisals on-site, signed and documented to Jewelers Mutual's requirements.
- ✓We know your piece firsthand and can capture its specifics, from the cut to the setting work.
- ✓If something happens, we're here to handle the repair or rebuild at our bench.
- ✓The quote takes a few minutes online, no in-store visit needed.
How It Works
1
Get a Quote
Use the link below to request a free quote from Jewelers Mutual. The process takes a few minutes and requires no commitment.
2
Add an Appraisal
For pieces above certain values, Jewelers Mutual will ask for a current appraisal. We perform insurance-grade appraisals at our bench.
3
Coverage Begins
Once you accept the quote and complete payment, coverage starts immediately. No waiting period, no in-person visit required.
Frequently Asked Questions
Does Canton Jewelry sell insurance directly?
No. We refer customers to Jewelers Mutual, an independent insurance specialist. They issue and manage the policy. We handle the appraisal and any repair work covered by a claim.
How much does jewelry insurance typically cost?
Premiums vary by piece, value, and location, but most personal jewelry policies cost roughly 1 to 2 percent of the insured value per year. Jewelers Mutual's free quote tool gives you a precise number in minutes.
Do I need an appraisal?
For lower-value pieces, often no. For higher-value items, Jewelers Mutual will ask for a recent appraisal. We perform insurance-grade appraisals at our bench and can have one ready for your policy.
What if I already have homeowners or renters insurance?
Most home policies include some jewelry coverage, but with strict caps and exclusions. Many losses, including mysterious disappearance, are not covered. Specialized coverage fills those gaps and protects your homeowners deductible from being affected if you file a claim.
Can I use any jeweler for repairs?
Yes. Jewelers Mutual lets you choose your preferred jeweler for repairs and replacements. We're proud when our customers bring covered work back to us.
What does the claims process look like?
You file your claim directly with Jewelers Mutual. They guide you through documentation, work with your jeweler of choice, and handle repair or replacement based on your policy terms.
Get a Free Quote in Minutes
Visit Jewelers Mutual's secure quote tool to see what coverage costs for your piece. No commitment, no obligation.
Get Your Quote