From engagement rings to vintage watches, ensure your most precious items are covered against loss, theft, and damage—worldwide.
Many people assume their Homeowners or Renters insurance fully covers their jewelry. Unfortunately, standard policies often have low limits (typically $1,500) and strict exclusions.
At River East Insurance, we recommend a Standalone Jewelry Policy through Jewelers Mutual. They have been the experts in jewelry protection since 1913.
The biggest advantage? A jewelry claim won't affect your home insurance premium. If you lose a ring and file a claim on your home policy, your rates could go up for 3-5 years. With Jewelers Mutual, your home claims record stays clean.
Standard home policies cover theft and fire. Jewelers Mutual covers life.
Standard home policies often require proof of theft. Jewelers Mutual covers you if your ring simply vanishes—whether it fell off at the beach or was left in a hotel room.
They work directly with your trusted jeweler (like your local jeweler in Manchester or Glastonbury), not a replacement service that sends you a generic substitute.
Heading on a honeymoon or business trip? Your jewelry is protected anywhere in the world, giving you peace of mind while you travel.
Coverage often includes preventive maintenance like clasp tightening, prong retipping, and pearl restringing to prevent loss before it happens.
| Scenario | Standard Home Rider | Jewelers Mutual |
|---|---|---|
| You lose the ring | Often Excluded | Covered |
| Impact on Home Premium | Rates likely increase | No Impact |
| Deductible | Usually $500 - $1,000 | $0 Deductible Options |
| Choice of Jeweler | Often Restricted | Your Choice |