Protect What Matters Most with Jewelers Mutual Jewelry Insurance
Home protection
Your cherished jewelry deserves specialized protection that goes beyond standard policies. With Jewelers Mutual, Orion180 offers comprehensive jewelry coverage—giving you peace of mind at home and while traveling.
Jewelry holds both financial and emotional value, but homeowners or renters insurance may not cover items like engagement rings, family heirlooms, or luxury watches. With Jewelers Mutual, you can rest assured that your treasured jewelry is protected from life’s unexpected events—anywhere in the world (Coverage is available to those who reside in the U.S. and protects clients wherever they travel, worldwide). Backed by over 110 years of experience, Jewelers Mutual is the trusted choice for over 1 million customers.
Jewelers Mutual provides specialized coverage that goes beyond what typical homeowners or renters policies offer, filling in coverage gaps to protect your most cherished jewelry. With affordable premiums that typically range from just 1-2% of the jewelry’s value per year, insuring a $5,000 ring, for example, can cost as little as $50 annually. Flexible deductible options are available, starting as low as $0, with choices including $100, $250, and $500 to fit your budget and protection needs. Jewelers Mutual also allows you to work directly with your trusted jeweler for repairs or replacements, ensuring that your item retains the same quality and care as the original piece. Additionally, their hassle-free claims process means that jewelry claims won’t impact your homeowners insurance premiums. Jewelers Mutual offers peace of mind and exceptional service when it matters most.
Why Choose Jewelers Mutual®?
- Specialized Coverage Beyond Homeowners Policies
- Affordable Premiums
- Flexible Deductible Options
- Work with Your Trusted Jeweler
- Hassle-Free Claims Process
*Coverage is subject to underwriting approval, and actual policy terms. Any descriptions of coverage are not a substitute for the actual policy language. Coverage options may vary by state and product.
*Coverage is offered by a member insurer of the Jewelers Mutual Group, either Jewelers Mutual Insurance Company, SI (a stock insurer) or JM Specialty Insurance Company. Policyholders of both insurers are members of Jewelers Mutual Holding Company.
Coverage Highlight
Jewelers Mutual® Jewelry Insurance Covers:
- Loss
- Theft
- Disappearance
- Worldwide Coverage (While traveling)
- Protection from Natural Disasters
- Normal Wear and Tear
What’s not covered:
- Civil authority, like if your jewelry is confiscated during a search by law enforcement
- Deterioration or inherent vice: If the piece is already weak or faulty, and that weakness causes it to break or get damaged, it’s not covered. For example, if there are tiny holes in a metal ring and those holes cause it break or fall apart.*
- Intentional acts, like purposely damaging or losing your jewelry
- Nuclear hazard, like a fire resulting from a nuclear reaction
- Vermin, rodents, or insects, like an infestation affecting heirlooms in the attic
- Voluntary parting, like selling your covered jewelry and having the check bounce
- Resizing, cleaning and inspection