by GirlyGirl » Jul 30, 2012 I grazed this forum for information on jewelry insurance. It seems as if the only options are replacement of "like in kind". I have no idea what that REALLY means, as cut diamonds are unique. As Chubb does not do stand alone policies anymore and I have elected not to use homeowners, it seems as if I am unable get a cash out policy. Jewelers Mutual comes up a lot. It is an advertiser. Its brochure came with my WF and GOG purchases. I wonder how they are when a person files a claim. Any experiences? Any other insurance companies with stand alone policies worth mentioning?