//--> [CDATA[// > Coverage is subject to underwriting review and approval, and to the actual policy terms and conditions. Any descriptions are a brief summary of coverage and are not part of any policies, nor a substitute for the actual policy language. 3. Last December, I had my daughter's jewelry appraised, and tried to get her coverage through Jewelers Mutual, with me as the person paying for it. Insurance coverage is offered by either Jewelers Mutual Insurance Company, SI (a stock insurer) or JM Specialty Insurance Company. Coronavirus (COVID-19) Resource Centre . Jewelers Mutual will work with your jeweler behind-the-scenes to coordinate payment. [CDATA[// >. This means that your jewelry is covered no matter the cause of damage or loss unless the cause is specifically listed as an exclusion. Read to learn if jewelry insurance is right for you. Now that it's clear you'll receive a same-kind-and-quality replacement, not a check, let's move on to what is and isn't covered under a Jewelers Mutual insurance policy. Check. In most cases, insuring an engagement ring is much more affordable than you think. Wear your jewelry with a new found peace of mind. Finding out your homeowners or renters insurance falls short after you’ve already lost your ring leaves you wondering what to do next. Any descriptions are a brief summary of coverage and are not part of any policies, nor a substitute for the actual policy language. War and military action, basically any warlike action, 8. We began offering personal jewelry insurance to individuals in 1953 after a suggestion by jewelers to offer the same service and protection to jewelry store customers. This means that your jewelry is covered no matter the cause of damage or loss unless the cause is specifically listed as an exclusion. Coverage is subject to policy terms and conditions. 5. 4. [CDATA[// > on. Theft? Check. Deterioration or inherent vice, like a manufacturer's defect, 3. But that coverage is not usually enough to cover the full replacement cost, and even a jewelry-specific rider added to your homeowners policy has its limits. //-->. Jewelers Mutual offers both personal and business jewelry insurance policies. *Preventive repairs, including prong retipping, broken, worn or bent prongs, broken earring posts, clasp replacement, restringing of broken or stretched pearl strands, and stone tightening, are included.