Do you own a lot of expensive jewelry?  Is it insured?  For those who have fine jewelry, it is a good idea to have it appraised by an independent appraiser before having it insured.  You should have each item is listed, described in detail and valued on paper.  Read your home owner’s or renter’s insurance policy to see just what it covers.  By doing this, you will find out the amount of coverage provided for each item, and jewelry will have its own category. The best insurance you can buy will cover theft, loss, and damage.

Understand that rates for personal jewelry insurance can differ according to your state or country.  It is up to you to select coverage that is with or without a deductible.  Talk with your insurance agent about adding a rider to your home owner’s policy.  A policy like this will cover any jewelry that goes beyond the value covered in the basic policy you now have.  You can also consider a separate jewelry insurance as another alternative.   It is in your benefit to compare many insurance plans and the reputation of each company.  Choose the one that gives you the most flexibility and the coverage for your money should the need to replace any jewelry arise.