Not-so-fun fact: while renter’s and homeowner’s insurance tend to cover jewelry, it often isn’t enough to cover the repairs, let alone full replacement cost. It also frequently doesn’t cover all-too-common occurrences like, well, straight up losing something valuable. The folks at Jewelers Mutual Group quite literally have you covered, having spent the last 108 years insuring nothing but jewelry against various unfortunate events. Engagement ring left on a hotel room sink? Cracked your Rolex on the edge of a table? Diamond earring fell off in the ocean? They’ve got you. For 1-3% of the cost of your jewelry annually, you get the peace of mind that no matter what lamentable fate befalls your valuables, the experts at Jewelers Mutual will help you replace your piece with a jeweler of your choice faster than you can say “I swear I left it right here…”