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Insurance & Guarantee

Creating new and original jewelry is as exciting for us as it will be for you. Sit down with one of our talented custom jewelry designers and brainstorm together. You are a unique individual. We’ll make sure your jewelry is, too.

Jewelry Insurance

Your favorite pieces of jewelry are more than valued possessions. They’re reflections of who you are. They’re symbols of your feelings for loved ones and of life-long relationships. Protecting them from theft, damage, mysterious disappearance or loss is as natural and important as protecting anything of great value, both emotionally and financially. For peace of mind, we recommend you apply for insurance directly after you make your purchase.

The first place to go for jewelry insurance coverage is your homeowners/renters policy agent. Through this company, you can usually arrange to schedule/itemize your jewelry for coverage that may include: burglary, theft, mysterious disappearance, damage and partial loss. Contact your agent for more information. Other options are also available.

Jewelers Mutual

Jewelers Mutual is the only insurer in the U.S. and Canada* specializing exclusively in jewelry insurance. As the nation’s leading jewelry insurance specialists, they have been exclusively insuring jewelry and jewelry businesses for 100 years. Jewelers Mutual’s Perfect Circle Jewelry Insurance coverage protects nearly 300,000 individuals’ personal jewelry items and covers types of losses where other carriers can fall short.

To insure your jewelry with Perfect Circle® Jewelry Insurance from Jewelers Mutual, you may go online at or call 888-884-2424.
* Coverage not available in Quebec.

Learn More & Get a Free Quote


Have questions about jewelry insurance?

Email Jewelers Mutual at or call 888-884-2424.

Information provided by:

Perfect Circle Insurance Logo

Jewelers Mutual Insurance Company is the only company specializing exclusively in jewelry insurance in the United States and Canada. The company’s strong financial position is reflected in its 26 consecutive ratings of “A+ Superior” from A.M. Best Company. Jewelers Mutual was founded in 1913 in Neenah, Wisconsin, by jewelers seeking to meet their unique insurance needs. Today, Jewelers Mutual is the leading insurer of retail jewelers in North America and also insures wholesalers, manufacturers, custom designers, repair businesses, bench jewelers, and appraisers. Approximately 10,000 commercial policyholders insure their jewelry businesses with Jewelers Mutual. Additionally, nearly 300,000 individuals trust Jewelers Mutual and its Perfect Circle® Jewelry Insurance to protect their jewelry possessions. These individuals collectively carry in excess of $4 billion in personal insurance coverage. Visit the Jewelers Mutual website at to learn more.

Carter’s Diamonds and Fine Jewelers is not a licensed agent for Jewelers Mutual Insurance Company and cannot sell or recommend insurance. Jewelers Mutual is an alternative to other insurance companies you may be considering. Must be a U.S. resident age 18 years or older to apply for insurance through Jewelers Mutual. Coverage is subject to the provisions, limitations, exclusions, and endorsements in the policy and the level of coverage you select.

Lifetime Maintenance Guarantee

At Carter’s it is our promise to you that we will maintain your fine jewelry’s original elegance with your help. While normal wear may result in some repair charges, we are pleased to offer the following services completely free of charge:

  • Ultrasonic and Steam Cleaning
  • Diamonds and Prongs Checked for Wear and Alignment
  • Stones Checked for Security
  • Ring Checked for Wear
  • Shank Checked for Roundness

Preferred Jewelers Warranty

We offer a national limited lifetime warranty covering cleaning, maintenance, and service for the life of the item for all items over $1,000. (

Diamond Trade-Up Policy

If you purchase your diamond from Carter’s and want to trade up in the future, you only pay the difference between what you paid for the original diamond and the new selection. No minimum trade-up purchase required.

110% Diamond Price Guarantee

If you find another diamond at a lower price within 30 days of your purchase, we will match the price and give you an additional 10% of the difference. The diamond must be graded as comparable in all aspects from the same gemological lab and be from a comparable store offering the same services in the greater Boston area.

Free Diamond Setting

Free Diamond Setting

When you purchase the ring and the diamond from Carter’s, we will set the center diamond at no charge.

Diamond Warranty

The Carter’s diamond warranty states that we will replace any diamond if it chips, breaks, or separates from its original mounting during normal wear. This excludes center diamonds, as we recommend looking to renter/homeowner insurance for coverage.

For your warranty to be honored, you must have your diamond inspected and documented every six months by any member of Carter’s team. If it is determined a repair is necessary, all repairs must be completed at that time and by our jeweler.

Insurance & Guarantee



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