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The M Word

The Inside Scoop on Insurance

Insurance is truly the best way to protect your most prized jewelry. Jewelry is typically covered under renters and homeowners’ insurance policies. But that coverage is not usually enough to cover the full replacement cost.

For that reason and so many others – we at McCoy Jewelers, recommend Jewelers Mutual. The Wisconsin-based insurance company provides all types of jewelry insurance. Watches, earrings, and even loose stones while being set – yep, they cover those too. No matter the type of jewelry you insure, you can trust that it is safe with Jewelers Mutual. There are many different plans to choose from.

The difference between Jewelers Mutual and your typical Homeowners is compared below:

Insuring your jewelry with a standalone policy protects your home insurance from the effects of a claim.

At McCoy Jewelers, we want you to have the best protection for your jewelry. Jewelers Mutual will work with you, and your selected jeweler to get your jewelry repaired, or replaced with ease.

To read more about the services we provide, click here.

To read more about Jewelers Mutual, click here.

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Each and every piece of McCoy’s hand crafted custom jewelry is backed by a Lifetime Warranty against defects in material or workmanship, at no additional charge, for as long as you own it.

Normal wear and tear happen, and you will need to maintain your piece over the years, including (eventually) re-tipping prongs and replacing worn metal. Just like a pair of tires on a car, metals wear down over time.

We don’t guarantee stones we didn’t set; in jewelry we didn’t make. This seems obvious, but for repairs & restorations, we can only guarantee the work we did. (So if we size a ring we will do our best to check the quality of the settings, but we don’t take liability for others work) We don’t pay for items to be shipped for inspections or work unless there is an original workmanship problem, however we promise to always make a good faith effort to fairly and honestly deal with all of our customers in every way. Our stone loss warranty can be an important part of your satisfaction and trust in our shop, so feel free to ask any questions about our policy.

McCoy Jewelers is proud to offer free lifetime diamond upgrade. Any loose diamond, mined or laboratory grown, purchased from McCoy Jewelers can be exchanged for credit equivalent to the price paid or current retail price, whichever is less, for a new diamond that is at least 50% greater value. Upgrade credit does not include tax paid on the original purchase. The diamond being upgraded must be accompanied with original documentation and must be in saleable condition. If the upgraded diamond cannot be set in your original engagement ring setting, you can exchange it for a precious metal credit as determined by McCoy Jewelers. See store for details, some exclusions may apply.

No Interest If Paid In Full within 12 months with Wells Fargo*

*Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.

Features of the Wells Fargo Card:
• Low Minimum Monthly Payments
• Simple Credit Application Process
• Instant Credit Available*
• More purchasing power
• Dedicated credit lines, will not tie up your bankcard line
• Extended financing options not available with traditional credit cards*
• Special payment options available*
• 24 hour, self-service access to account information at www.wellsfargo.com and visit the digital marketing toolkit section
• Doesn’t Tie Up Other Credit Lines
• Receive your credit card in 7-10 days

*Subject to credit approval. Minimum monthly payment required. See store for details.
*The Wells Fargo credit card is issued by Wells Fargo Financial National Bank. Special terms apply to qualifying purchases charged with approved credit. Regular monthly payments are required during the promotional 6-month period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. For newly opened accounts, the APR for Purchases vary with the market based on the U.S. Prime Rate.

We love the earth we live in. So, we do our part to protect our environment. At McCoy Jewelers, we have created an earth-conscious environment through various avenues to help keep our air and earth clean.