Once you’ve chosen a beautiful piece of jewelry, your next decision should be how you will insure it. The Personal Jewelry Insurance program from Jewelers Mutual Insurance Company offers comprehensive coverage at affordable prices!


They are the jewelry insurance experts

Since 1913, Jewelers Mutual has specialized in insuring jewelry and jewelry businesses! They have gemologists on staff, as well as underwriters and customer service representatives who are licensed insurance agents and are knowledgeable about jewelry.

Comprehensive protection for your scheduled jewelry

Jewelers Mutual’s Personal Jewelry Insurance program provides protection for your jewelry. Jewelers Mutual repairs or replaces your insured jewelry with like kind and quality.

Insuring your jewelry is easy

Include all original packaging and collateral material. If your item was delivered with a GIA diamond certificate and that certificate is not returned, you may be liable for the $250 replacement cost. This is not the appraisal but the certificate for the diamond center stone only. For security reasons, do not write Eye For Gems anywhere on the outside of the box. We will provide the address for the return.

  • Visit Jewelers Mutual’s Web site at for a free quote or to apply online. You also can mail a completed and signed application to Jewelers Mutual with your payment.
  • Eye for Gems provides you with an insurance evaluation/appraisal that includes a detailed description of each item and the retail replacement value. The cost of insurance is based on the jewelry’s retail replacement value and the state and county you live in.
  • Mail, fax, or e-mail Jewelers Mutual a copy of the Eye for Gems insurance evaluation/appraisal. Coverage will begin on the date you submit your online application or on the postmark date stamped on the envelope if you mail your application. If the total appraisal value of all items is $50,000 or more, or if you were previously denied or canceled by Jewelers Mutual, you must call them for prior approval for insurance.

If you have any questions about the insurance coverage or how to obtain Personal Jewelry Insurance, contact a customer service representative, toll-free, at (888) 884-2424

*You must be a U.S. or Canadian resident age 18 years or older to apply. This program is not available in Quebec. Jewelers are not licensed agents for Jewelers Mutual Insurance Company and cannot sell or recommend insurance. Jewelers Mutual is an alternative to other insurance companies you may be considering. Insurance coverage is not guaranteed and is subject to underwriting guidelines and application approval.