Jewelers Mutual Insurance Jewelers Mutual Insurance Our president and CEO, Scott Murphy Jewelers Mutual Insurance Jewelers Mutual Insurance Scott Murphy Worldwide Nationwide

This is a hard one to rate. I'd give it 4 stars because they are less expensive than putting it on home or renters insurance. I'd give them one star for the hassle I had to go through to replace a simple diamond wedding band for $1100. IF YOU HAVE MORE THAN ONE CLAIM JM WILL CANCEL YOU. I found out today about this. Our home got robbed and my necklace and earrings got stolen. I forgot to put them in the safe after I took them off. That is politely stated as my fault and they will replace it with police report but they have to cancel me after.
I pay $2500 a year for 200K worth of jewelry with JM and have done so since 2008.  $17500. of free money with only one small payout of $1100 for my cheapest piece of jewelry, in 7 years.
I am currently looking for a new company to insure with since I was told I can NOT ever have another claim. With earrings or single rings valued over  43K each I can not afford to pay JM to collect my money and cancel me if I ever get robbed again.

P.S.  It is very bad to put rider on home insurance unless it is items are less than 8K in total.
Home insurance is more expensive, after the one claim, home insurance will cancel your total home insurance and then it takes 3 years to get decent home insurance. A claim is like a speeding ticket, it sticks with you for 3 years.