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Jun 09
Breaking It Down: The Difference Between Specialty Jewelry Insurance and a Homeowners Policy

As summer approaches and several stay at home orders being lifted, many are proceeding with their plans of house hunting. As they turn to you for insurance advice to protect their home, they may be considering rolling their personal property, like their engagement ring, wedding bands and other jewelry onto their homeowners policy.

Before you move the property from one rider to another, consider a separate jewelry policy.

When it comes to insuring your clients' jewelry, here's why a standalone, specialty jewelry insurance policy from the experts at the Jewelers Mutual Group makes sense.

  • Customers work to replace their items with the jeweler of their choice, creating an exceptional claims experience with no need for multiple estimates

  • Having a separate jewelry policy is an additional product for the household, leading to greater retention

  • Jewelers Mutual provides a fast, quick, and easy quote/apply/bind experience. Many policies are issued at the point of sale without a need for underwriting review.

Be the hero. Help your clients choose their jewelry protection with confidence.
See our coverage comparison chart below for the benefits of having a standalone jewelry insurance policy versus relying on coverage through typical homeowners insurance.      


Provide a quick and easy quote with Jewelers Mutual by clicking here.

Coverage offered by a member insurer of the Jewelers Mutual Group, 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. Coverage and pricing are subject to underwriting review and approval, and to policy terms and conditions.


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