Jeweler's Mutual

Care Plans

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What's Covered:

While most store warranties cover only manufacturers’ defects, JM Care Plan helps keep your jewelry or watch in like-new condition by covering normal wear and tear, and accidental damage. If we can't fix it, we will replace it!! We offer 3 year and lifetime plans, which must be purchased at the same time as the product being covered.

Jewelry

  • Ring re-sizing
  • Rhodium plating
  • Refinishing and polishing
  • Loss of center diamonds or gemstones due to a defective setting
  • Broken, bent or worn prongs
  • Cracked or thinning band or shank
  • Broken clasps, bracelets or chains
  • Replacing cracked or chipped stones
  • Broken earring posts
  • Pearl restringing

Watch

  • Mechanism failure
  • Crystal scratches or breaks
  • Case or bezel damage
  • Broken stem, crown or clasp
  • Water damage to water-resistance watches
  • Refurbishment of metal bracelet
  • Strap replacement for rips or tears
  • Battery replacement

What plans are available?

  • 3-year and lifetime plans available for jewelry
  • 3-year plans available for watches
  • Coverage plans are nationwide and not limited to a certain state or store. 

Where are repairs done?

  • Repairs are completed by our in-house expert jeweler. If for any reason, your item cannot be fixed, it would be replaced with a new product of equal value to the original purchase. 

 

Insurance

 

I don't have much time.
The application usually takes about 10 minutes. It's faster if you have available the value of your jewelry items.

I value my privacy.
We do too. We keep all personal information private and will not sell it to any other companies, advertisers or third parties.

How can I view my documents online?
You will need Adobe Reader to view the documents, which are available as PDFs. Log in to your online account to view, save, or print billing and policy documents.
What if I have loose stones?
We cover loose stones while they are being set by your jeweler. This is important if you purchase stones on the internet or elsewhere and then work with your jeweler for mounting and setting of the stone. This coverage is not found in most jewelry insurance policies.

Why is a recent appraisal important?
The value of jewelry can change over time. A current appraisal helps make sure you're covered for the most accurate amount - especially important in instances where your jewelry is worth more at the time of a claim than it was when you last submitted an appraisal. We want to help you avoid incurring additional out-of-pocket expenses to pay for the difference.

How do I find a professional appraiser?
We accept current appraisals or evaluations from any appraiser. You may refer to the American Gem Society or the National Association of Jewelry Appraisers for a list of appraisers by state. The appraisers for both organizations are specifically trained in jewelry appraising.

I'm giving the jewelry as a gift.
We always try to contact the primary applicant with any questions we have using the phone and email provided, so make sure the contact information you provide is accurate. We will only contact the other wearer if we cannot reach the primary applicant.

Why does it matter who wears the jewelry?
Identifying the actual wearer of the jewelry allows us to provide the right amount of coverage based on a number of factors, such as where the wearer lives and how often the item is worn.

What is mysterious disappearance?
Mysterious disappearance is when you can't pinpoint when or where the item went missing. For example, you open your suitcase and your necklace is gone. It's one of the most common ways jewelry goes missing, and with us, you're covered.

What is unscheduled jewelry coverage?
An unscheduled jewelry option is available to anyone with at least one jewelry item scheduled on their policy. It provides limited coverage for jewelry valued at $1,000 or less without an appraisal. Many choose this option because it offers coverage and peace of mind for spontaneous jewelry purchases. Call us for details at 888-884-2424.

Why Jewelers Mutual Group and not my homeowners or renter's policy?
If you think your jewelry is covered by an existing policy, read it thoroughly and evaluate whether or not you're comfortable with that level of coverage. Standard homeowners policies often provide limited jewelry protection, frequently excluding jewelry damage and loss. Many homeowners and renters policies may also force customers to use impersonal jewelry repair or replacement companies, or to obtain several estimates before proceeding with a claim. We believe suffering the loss or damage of a diamond ring or other piece of valuable jewelry is hard enough. We do not require multiple estimates and you have the flexibility to work with your own trusted jeweler for repair or replacement work.

 

Questions about Jewelers Mutual  -