Does Blue Nile Offer Insurance? (2024 Update)

You can protect your recently purchased precious diamond items with Blue Nile insurance for your peace of mind. The diamond retailer arranged for Jewelers Mutual Insurance Group to provide jewelry insurance for your new Blue Nile pieces with comprehensive insurance coverage.

Here’s the list of what you need to know about protecting and insuring your new diamond item from Blue Nile. Check out how much Blue Nile’s jewelry insurance costs, its coverage, and how to get your valuable ring insured. 

Does Blue Nile Insurance Cover Engagement Rings?

Blue Nile insurance

Your engagement ring is a special and sentimental piece of jewelry, and you can protect it with Blue Nile insurance through their partnership with Jewelers Mutual Insurance Group.

No one wants to lose their engagement ring, but it pays to have as generous of a guarantee as possible if it unfortunately happens. That’s where Jewelers Mutual comes in. Through their partnership with Blue Nile, all customers from the United States and Canada have a valuable insurance policy to protect all Blue Nile purchases. 

The insurance company provides a guarantee for your engagement rings with comprehensive repair and replacement coverages. Buying a Blue Nile engagement ring and getting it insured through Jewelers Mutual gives you the freedom to wear your gorgeous ring without any worry. 

Does Blue Nile Insurance Applies for Other Jewelry?

Through Jewelers Mutual Insurance Group, Blue Nile insurance covers engagement rings and all sorts of jewelry pieces purchased from its website. It can be a wedding ring, a pricy piece of diamond earrings, or a bracelet. 

With personal jewelry insurance from Jewelers Mutual, you can protect any jewelry that is important to you. It covers all fine jewelry purchases, from rings to bracelets, chains, earrings, and pendants. If you want to purchase loose diamonds from Blue Nile, you can also get them insured with Jewelers Mutual. 

What Does the Blue Nile Insurance Policy Cover?

Blue Nile insurance will cover comprehensive replacement and repair services no matter what type of jewelry you purchase from the store. The policy also covers worldwide travel, so you can wear your jewelry with utmost confidence no matter where you go. 

Blue Nile insurance policy is an ‘all perils policy. It means that the coverage includes repairs and replacement of your item in case of:


If you lost your jewelry, whether you are in the US, Canada, or vacationing in another country, Blue Nile insurance would cover your loss. 


If your precious engagement ring got stolen wherever that incident may happen, you could rest assured that the personal jewelry insurance from Jewelers Mutual will cover that as well.


Sometimes your wedding ring or any jewelry disappears, and you can’t account for what happened. You could have left it at the beach or the public bathroom, or it could be stolen. Even if you can’t explain or recount why your jewelry vanished out of thin air, Jewelers Mutual insurance policy will still cover your lost jewelry. 


The insurance policy also covers accidental damages to your Blue Nile jewelry. Perhaps you accidentally smashed your ring at the edge of the table, and the diamond cracked, or the prong broke after it snagged in your sweater. You don’t have to worry about jewelry repairs, as Blue Nile insurance will handle that for you.

If you gifted Blue Nile jewelry to someone, any repair and replacement would still get covered by insurance. However, you’ll need to list that person as the ‘jewelry wearer’ of the item when applying for Blue Nile insurance. 

The insurance policy also covers preventative repairs of your jewelry, such as re-tipping of bent, worn, or broken prongs. Other preventative repair services covered include strong tightening, clasp replacement, and broken earrings posts. 

However, the insurance doesn’t cover:

  • Intentional acts of damages and loss
  • Civil authority
  • Inherent vice or deterioration
  • Nuclear hazard
  • Voluntary parting
  • Typical gradual deterioration
  • Vermin, rodents, or insects
  • War and military action
  • Leaving or traveling with your jewelry unattended
  • Cleaning, resizing, and inspection

How Much Would You Need to Pay for a Blue Nile Insurance?

Blue Nile insurance cost depends on a couple of factors like which state you live in, your area’s theft rate, and your jewelry’s retail price at the time of insurance application. Insurance costs generally run around 1% to 2% of your item’s value. 

For instance, if your engagement ring costs around $8500, your insurance can cost anywhere between $85 to $170 annually in premiums. If you want to pay much lower premiums for your jewelry insurance, there are also insurance options with deductibles ranging from $100 to $500. When your deductible increased, the amount you pay yearly in premiums decreases, and vice versa. 

If you want to get the exact amount you have to pay to get your Blue Nile jewelry insured, you can also get a quote from Jewelers Mutual. 

You can get a free insurance quote through Blue Nile’s ‘Get My Free Quote’ button you can find on the ‘Insurance’ page of its website. It will bring you to Jewelers Mutual site, where you need to enter your Order Number and email address. 

You can also ask for support from Jewelers Mutual support services through their phone number and email address provided at Blue Nile’s website.

  • 888-884-2424

How to Get Your Blue Nile Ring Insured?

You can apply for Blue Nile insurance by calling Jeweler Mutual at 888-884-2424 or applying online through their website. 

Jewelers Mutual Insurance Group no longer accepts paper or printed insurance applications.

Getting your fine jewelry appraised is essential before applying for the insurance policy. Jewelry value fluctuates more than you expect, and you want to get the price right so the item isn’t underinsured or you’re not overpaying for an insurance policy. 

Frequently Asked Questions

Who can avail of Blue Nile’s insurance policy?

Blue Nile offers insurance through Jewelers Mutual Insurance Group. The insurance company provides personal jewelry insurance coverage for all US and Canadian customers except if you are from Quebec. It’s available for all sorts of jewelry like engagement rings, wedding rings, earrings, loose diamonds, and more. 

Can you get Blue Nile’s insurance quote for free?

Blue Nile’s insurance policy quote through its partnership with Jewelers Mutual Group is free. You can check it out by entering your Blue Nile’s order number and your email. Jewelers Mutual will then send you the free insurance quote to your email, with the price ranging from 1% to 2% of your single purchase price. 

What is a deductible in Blue Nile’s insurance policy?

An insurance deductible is what you have to pay out-of-pocket every time you claim jewelry insurance. With Blue Nile’s insurance policy, the deductible starts with $0 and can go up to $500. You can find an insurance place for your Blue Nile jewelry based on your budget with its flexible deductible options.

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