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INSURING YOUR PURCHASE
NetCarats has teamed up with
Jewelers Mutual Insurance Company to provide insurance to customers on
their valuable jewelry purchases. Jewelers Mutual is a leading insurance
provider for the jewelry industry, and provides comprehensive coverage at
affordable prices.
Jewelers Mutual’s Personal Jewelry Insurance program provides
protection for loss, theft and damage, and even covers mysterious
disappearances. The standard homeowners policy provides only limited coverage
for jewelry. Jewelry losses you experience with Jewelers Mutual will not affect
your existing homeowners policy or premium. The policy is available with no
deductible, unless you choose one. In the unfortunate event of a loss or theft,
Jewelers Mutual will repair or replace your insured jewelry item with one of
like kind and quality.
Jewelers Mutual’s unscheduled jewelry option provides limited
coverage for jewelry valued at $1,000 or less. This option can be added to your
policy in $1,000 increments without an insurance evaluation/appraisal. The
premium rate for insuring unscheduled jewelry is $15 per $1,000 of value, up to
a $5,000 total limit. This coverage has a $100 deductible. To qualify for this
coverage, you must have at least one item of jewelry scheduled on your policy
with an insurance evaluation/appraisal. You can call or e-mail Jewelers Mutual
to add this coverage to your policy.
You can Insure Your Jewelry in the Following Four Steps
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Click here for a
Jewelers Mutual Personal Jewelry Insurance application. Print the
application; then complete and sign it.
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Have your NetCarats Appraisal ready to provide to Jewelers Mutual. The cost of
insurance is based on the jewelry’s retail replacement value and the state and
county you live in.
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Click here on
Jewelers Mutual’s rate calculator
to determine your policy premium. You will need to enter your state of
residence and the appraised value of your jewelry to get an approximate premium
amount.
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Send the completed, signed application to Jewelers mutual, along with a copy of
the NetCarats appraisal.
If you have any questions about the insurance coverage or how to
obtain Personal Jewelry Insurance, contact a Jewelers Mutual Insurance
Company’s customer service representative, toll free, at (888) 884-2424.
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