Protect What You Love

Dedicated Jewelry Insurance

Wear your jewelry worry free. As a Jewelers Mutual partner, we offer our clients a subsidized rate, and we handle the appraisal that gets you covered.

$15 per $1,000 · per year

Estimate your rate

$

Enter an amount of $500 or more.

Your rate

$6.25/mo

or $75 per year

See How It Works

An estimate based on our client rate. Your policy is issued by Jewelers Mutual.

What Jewelry Insurance Actually Covers

A dedicated jewelry policy is not the jewelry line on your homeowner’s policy. It is built for one thing, and it covers far more.

Loss Theft Damage Mysterious disappearance Natural disasters Worldwide travel

Why Not Homeowner’s?

Most homeowner’s and renter’s policies cap jewelry at a low limit, often well below the value of a single engagement ring. And they may not cover a stone that falls out, or a piece that simply goes missing.

No Deductible Surprise

Claiming on a homeowner’s policy means paying your household deductible and risking a higher renewal. A standalone jewelry policy keeps those claims separate from your home.

Repaired By Us

Because Jewelers Mutual works with your jeweler of choice, a covered repair or replacement can come back through Diamond Hut, the people who know the piece.

How It Works

We recommend insuring your piece as soon as you take it home.

STEP ONE

We Appraise It

Diamond Hut provides a written appraisal that establishes the replacement value of your piece, along with our Jewelers Mutual client code for the subsidized rate.

STEP TWO

You Enroll Directly

Go to the Jewelers Mutual website, enter our client code, and submit your appraisal. The application takes just a few minutes.

STEP THREE

You Pay Jewelers Mutual

Your premium is paid directly to Jewelers Mutual, and your policy is between you and them. Coverage typically begins right away.

Who Does What

Diamond Hut Boutique provides the appraisal and the valuation only. We are not an insurance agent or broker, we do not sell or underwrite insurance, and we are not a party to your policy.

Jewelers Mutual is the insurer. Your application, your premium payment, your policy and any future claim are handled directly between you and Jewelers Mutual. We never collect or process your payment.

The figure shown by the estimator above is based on our client rate of $15 per $1,000 of appraised value per year. Your final premium, coverage terms and eligibility are determined solely by Jewelers Mutual and may vary based on their underwriting.

Start With An Appraisal

Every policy begins with a current appraisal. Bring your piece in, or book a time with us, and we’ll take care of the valuation and your client code.

Book An Appraisal Call (201) 798-4594

Diamond Hut Boutique

FINE JEWELRY SINCE 1975

1 Flagship St. Suite 100A
Bayonne, New Jersey

Store Hours

Tuesday – Saturday · 12 PM – 7 PM

In cooperation with

Financing available. 0% interest!

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