I would give them a call and ask them any specific policy related questions you may have. They are super nice to talk to and that will put your mind at ease.
I paid 300.00$ a year for my ring with Jewelers Mutual and moved back to Texas and they charged me 847.00$ a year, at that rate I could buy a new ring in a few years, when I called them they just use crime reports etc to set up prices, well Maine I was in the boonies, but I'm 30 miles north of Austin, in the boonies in a gated community no less, so I don't find them to be reasonable, this is not Austin, but we get sucked into their stats I guess.