Personal Jewelry Insurance

Insuring Your Jewelry

We feel that buying insurance protection is very important for your financial security. There are many insurance companies which offer insurance protection as a chapter of a home-owners or rental insurance policy.

Hannon Jewelers trusts Jewelers Mutual to protect your valuables in our custody. We also rely on Jewelers Mutual for our jewelry inventory insurance protection. We believe this company offers the best service and jewelry insurance protection in the USA with a competitive rate.

About Jewelers Mutual Company:

Jewelry insurance doesn't have to be complicated. Hannon Jewelers has arranged for Jewelers Mutual Insurance Company to provide information about the benefits of insuring your jewelry. As the nation's only insurer to specialize in jewelry insurance, Jewelers Mutual offers unmatched expertise and service to its customers.

Questions About Jewelers Mutual?
Contact Jewelers Mutual at pjweb@jminsure.com or call (888) 884-2424.

Hannon Jewelers is not a licensed agent of Jewelers Mutual and does not sell or recommend insurance.

 Get Your Free Quote

To get your free quote instantly please insert jewelers code A00801 and Apply here.

Questions for your insurance agent:

We have observed that in dealing with an insurance adjustor, some of our customers have complaints about their insurance companies.  We feel that consumer expectations on their policies can be better defined by having reasonable information at the time they purchased a policy.  We have been informed by customers that the experience in dealing with the insurance agent who sold them the policy in the first place is much different than working with an adjustor.  The following are suggested questions you may like to know in advance:

In regards to the Jewelry Appraisal Report...

• What kind of appraisal report would your insurance company need? ( full certified appraisal report, retail or wholesale replacement value, full description of items, jewelers' eye estimate, verbal estimate, invoices only, etc.)
• Considering the inflation rate and the changes in the jewelry market conditions, how often should I have this appraisal report updated?

In regard to your policy...

• What items should I have appraised? Your homeowners insurance policy may offer a general and limited protection for your jewelry. Please read these restrictions in your policy.
• What kind of coverage do I have for jewelry valued under $300.00, $500.00, etc.
• If I only appraise and buy coverage for the most expensive jewelry (over $300 to $500.00), what would happen if the other items are lost or stolen?  How do I prove ownership, description, quality and values for those lower price articles? What kind of limiting condition my policy will have for these articles?
• What is the difference between schedule and unscheduled coverage?
• Is there a deductible? If so, how much? How does it work in case of a claim? Do I have the option to increase the deductible to reduce the premium cost?
• Is my policy all-risk? (Par loss, damage, mysterious disappearance, negligence or carelessness etc.)?
• Is the item covered if lost (total or partial lost), stolen or damaged while in the possession of someone else?
• Are there any geographical limitations to my coverage?
• Is depreciation ever imposed?
• What exactly does it means to have replacement value on my jewelry. Am I limited to the valued listed at the appraisal report?

In case of a loss...

• If there is a loss, do I have a choice of a full cash-out or will I have to accept less?
• Can I go to whomever I wish for the replacement of my jewelry? If not, why not?
• Can I expect to replace the lost jewelry with same quality and from the same manufacturer jewelry company?
• If a loss has been replaced through an insurance company source, will I be allowed to verify proper replacement of quality and value by an independent firm or accredited appraiser?
• What procedure will be followed to replace a family heirloom, one-of-a-kind piece of jewelry, an antique or custom made jewelry?
• What proof, documentation is needed by your adjustor to document a claim?