Protect the Jewelry You Love
Protect the Jewelry You Love
Jewelry Insurance Through Jewelers Mutual®
Your engagement ring, diamond jewelry, watch, or heirloom is more than something you wear. It represents memories, milestones, and moments worth protecting.
Cherry Pick Diamonds makes it easy for our clients to explore specialized jewelry insurance through Jewelers Mutual®, a company dedicated to protecting jewelry and jewelry owners.
Specialized Protection for Fine Jewelry
A standard homeowners or renters insurance policy may provide limited protection for jewelry. A dedicated jewelry insurance policy can provide broader coverage designed specifically for the risks associated with owning and wearing fine jewelry.
Depending on your policy, Jewelers Mutual may provide protection for situations including:
- Loss
- Theft
- Accidental damage
- Mysterious disappearance
- Certain natural disasters
- Worldwide travel
Whether you purchased your jewelry from Cherry Pick Diamonds in Clayton, Missouri, inherited a treasured family piece, or own jewelry purchased elsewhere, protecting it can give you additional peace of mind.
Ready to Protect Your Jewelry?
GET YOUR JEWELERS MUTUAL QUOTE
Protect Your Engagement Ring From Day One
An engagement ring is often one of the most meaningful—and valuable—pieces of jewelry someone owns.
After investing time in choosing the perfect natural diamond, lab-grown diamond, vintage diamond, or custom engagement ring, insurance helps protect that investment against unexpected events.
Cherry Pick Diamonds clients can use our dedicated Jewelers Mutual link to begin the insurance process online.
What Can Jewelry Insurance Cover?
Loss
A bracelet slips off your wrist or your engagement ring is accidentally lost.
Theft
Protection may be available if your jewelry is stolen.
Damage
Accidents happen. Jewelry insurance may cover eligible repairs or replacement when a piece is accidentally damaged.
Mysterious Disappearance
Sometimes jewelry simply disappears and you cannot determine exactly where or when it was lost.
Travel
Jewelers Mutual offers coverage designed to protect insured jewelry while traveling worldwide, subject to the terms and conditions of the policy.
How Much Does Jewelry Insurance Cost?
The cost of jewelry insurance depends on factors such as:
- The value of your jewelry
- Where you live
- The type of jewelry
- Your selected deductible
- Other underwriting factors
Jewelers Mutual states that jewelry insurance typically costs approximately 1–2% of the insured jewelry's value per year, although your individual premium may be different.
For example, a $10,000 engagement ring might generally cost approximately $100–$200 per year to insure if it falls within that typical range.
The easiest way to know your actual cost is to request a quote.
Do I Need an Appraisal?
Depending on the value, age, and documentation available for your jewelry, an appraisal or other documentation may be requested during the insurance process.
Cherry Pick Diamonds provides professional jewelry appraisal services for engagement rings, diamonds, fine jewelry, watches, and other valuable pieces.
Need an Appraisal?
If your jewelry needs updated documentation before obtaining insurance, contact Cherry Pick Diamonds to schedule an appraisal appointment at our Clayton showroom.
Jewelry Insurance for Cherry Pick Diamonds Clients
When you purchase an engagement ring or fine jewelry from Cherry Pick Diamonds, we want you to enjoy it—not worry about what could happen to it.
Our team can provide the documentation associated with your purchase, including available grading reports and appraisal information, and you can then apply directly with Jewelers Mutual through our dedicated link.
Three Simple Steps
1. Have Your Jewelry Information Ready
Gather your receipt, appraisal, grading report, or other available documentation.
2. Request Your Quote
Use the Cherry Pick Diamonds Jewelers Mutual link below.
3. Apply Directly With Jewelers Mutual
Your insurance application, policy, premiums, coverage, and claims are handled directly through Jewelers Mutual.
Why Cherry Pick Diamonds Recommends Protecting Fine Jewelry
For nearly two decades, Cherry Pick Diamonds has helped clients select, design, and care for important pieces of jewelry.
From engagement rings and natural diamonds to custom jewelry, anniversary pieces, tennis bracelets, necklaces, and family heirlooms, we believe protecting a significant jewelry purchase should be considered part of responsible jewelry ownership.
Insurance cannot replace the sentimental meaning behind a piece, but it can help provide the financial protection needed to repair or replace an insured item after a covered loss.
Jewelry Insurance in St. Louis & Clayton, Missouri
Cherry Pick Diamonds is a private jewelry showroom serving clients throughout Clayton, St. Louis, Ladue, Frontenac, Creve Coeur, Chesterfield, Kirkwood, University City, Town and Country, and the greater St. Louis area.
Our clients can conveniently explore Jewelers Mutual jewelry insurance online using our dedicated link.
You do not need to visit our showroom to request an insurance quote.
Frequently Asked Questions
Does homeowners insurance cover my engagement ring?
Homeowners and renters policies may provide some jewelry coverage, but limits, deductibles, and exclusions can apply. Specialized jewelry insurance is designed specifically for jewelry-related risks.
Can I insure jewelry purchased from Cherry Pick Diamonds?
Yes. You can use our Jewelers Mutual link to explore insurance for eligible jewelry purchased from Cherry Pick Diamonds.
Can I insure jewelry I purchased somewhere else?
Jewelers Mutual may insure eligible jewelry regardless of where it was originally purchased. Check directly with Jewelers Mutual regarding eligibility and documentation requirements.
Can I insure an engagement ring?
Yes. Engagement rings are one of the most common pieces of jewelry people choose to insure.
Can I insure a loose diamond?
Coverage and eligibility depend on the circumstances and Jewelers Mutual's underwriting requirements. Request a quote or contact Jewelers Mutual for specific guidance.
Can I insure inherited jewelry?
Inherited and heirloom jewelry may be eligible for coverage. An updated appraisal can be helpful in establishing its current value.
Does Cherry Pick Diamonds provide the insurance?
No. Jewelers Mutual provides and administers the insurance policy. Cherry Pick Diamonds provides a convenient referral link for our clients and can assist with jewelry documentation or appraisal services when appropriate.
Protect Your Jewelry Today
You will be directed to Jewelers Mutual to obtain your quote and complete the insurance application.
Cherry Pick Diamonds®
Fine Jewelry • Engagement Rings • Natural Diamonds • Custom Design • Jewelry Appraisals
Clayton, Missouri | Serving St. Louis and Clients Nationwide
Insurance products and services are provided by Jewelers Mutual. Coverage is subject to underwriting, policy terms, conditions, limitations, and exclusions. Cherry Pick Diamonds is not an insurance carrier and does not determine eligibility, premiums, coverage, or claims.
Our showroom
CHERRY PICK DIAMONDS
230 S Bemiston Ave #1020,
St. Louis, MO 63105
Mon - Fri, By Appointment
Saturday, By Appointment
Sunday, Closed
