Frequently Asked Questions

We strongly recommend protecting your jewelry with a dedicated insurance policy. Jewelers Mutual, the only company specializing in jewelry insurance for over 110 years, provides comprehensive coverage to protect, repair, or replace your jewelry.

• Coverage that often goes beyond standard homeowners/renters insurance and added riders.
• Protection that follows your worldwide travels and covers against loss, theft, damage, mysterious disappearance, and floods and earthquakes.
• Flexibility to choose your own jeweler; no need for multiple quotes.
• Keeping jewelry out of your homeowners/renters policy protects your home insurance from the effects of a jewelry claim.
• Repair or replacement of the same kind and quality as your original piece.
• Fast professional and compassionate claim experience from experts in the jewelry industry.

If you would like to consider and insurance policy with jewelers mutual for your personal jewelry, get a free, no-obligation quote today.

Yes, any fine jewelry piece valued at $1,000 or more will receive a complete insurance appraisal.

Insurance coverage only available in the United States (all 50 states and the District of Columbia) and Canada (excluding Quebec).

Although Matthew Rosie may offer opinions to consumers about the importance of protecting their purchases, Matthew Rosie is not a licensed agent and does not sell or offer advice about insurance. Any/all decisions for protecting jewelry must be made by the consumer, following information gathering. The purchase of insurance must be done by direct interaction with an insurer or licensed insurance agent.

Coverage is offered by either Jewelers Mutual Insurance Company, SI (a stock insurer) or JM Specialty Insurance Company. Policyholders of both insurers are members of Jewelers Mutual Holding Company. Any coverage is subject to acceptance by the insurer and to policy terms and conditions.

By clicking the link above – “get a quote” – you authorize Jewelers Mutual to use a secure system to retrieve and save details of this purchase from us for the purpose of calculating an insurance quote. Retrieved information may include your name and address.

If you have any questions about insuring with Jewelers Mutual, please email PersonalJewelry@jminsure.com or call 888.884.2424.

Yes, all jewelry bought from Urban Seal includes a special cleaning service every six months. We also provide complimentary re-polishing, prong tightening, rhodium plating, and cleaning. To request these services, please contact our customer care at +1 (201) 888-8424. *Certain exclusions may apply.

All of our jewelry is meticulously crafted to the highest standards and undergoes thorough inspection by our quality control team, including G.I.A. Graduate Gemologists and professional jewelers, before being shipped. Our lifetime warranty covers services such as re-polishing, rhodium plating, prong tightening, and cleaning. If you experience any issues with your jewelry or require a service not covered by our warranty, simply send it back to us for inspection. We will notify you of any potential charges before proceeding with any work on your piece.