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Insurance and Financing

LuxEffect, we earnestly strive to deliver the best services and assistance to our valuable customers. We aim to give our customers a hassle free and secure shopping experience. In our endeavor, to make sure that the jewelry safely reaches our customer’s hands, we cover every purchase by our insurance.
You can continue with the jewelry insurance, if you want, even after receiving it. It’s a simple process, apply immediately. Check out more about Jewelers Mutual Insurance Company

Jewelers Mutual Insurance Company

  • Established in the year 1913, they specialize in providing insurance to jewelry and jewelry business throughout the U.S.
  • Rated as the A+ Superior by A.B Best Company
  • Provide protection against loss, theft and damage.
  • Cover- replace and repairs of the insured jewelry item
  • Provides limited coverage for jewelry valued at $1,000 or less
  • $2 billion of individuals' personal jewelry insured
  • Licensed in all more than 50 states
  • Gemologists on staff, underwriters and customer service representatives are licensed insurance agents and knowledgeable
  • Offer many other payment plans along with premium more than $200.






Included in the Jewelers Mutual Program:

  • Personal Jewelry Insurance Brochure
  • Application and Rate Card with any appraisal performed by you
  • A repair or replacement policy

    You can expect high quality customer service from their customer service representatives who are the licensed insurance agents. They have both GIA Graduate Gemologists and American Gem Society Certified Sales Associates on site to answer your specific questions. 

    To know about Personal Jewelry Insurance Program or to order Additional Insurance Appraisal Checklists or Personal Jewelry Insurance applications and brochures, call them at 800-588-6411 or visit our website at www.jewelersmutual.com.
    You can also order for free video about the Personal Jewelry Insurance by calling 800-588-6411.

    *Disclaimer from Jewelers Mutual Insurance
    This facility is available only for U.S. residents. You must be at least 18 years of age to apply for insurance. Jewelers Mutual is an alternative to other insurance companies you may be considering. Our Solitaire Solutions is not a licensed agent of Jewelers Mutual and does not sell or recommend insurance.


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Metal setting is one of the important aspect for the diamond as it should not only suit the face tone but also enhance the beauty of the gemstones.whereas yellow metal gives more shine and beauty to the warm skin tone and adds fire to the "king of gem".
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