Your homeowners insurance might not cover the full value of your valuables. Whether you just need jewelry insurance or want insurance for multiple different values you will be covered.
- Know what you have. Take an inventory of all of the items that you wish to insure. Include photos and receipts where you can.
- Get an appraisal. The only way to know the true value of your jewelry items—and to insure them properly—is to get a professional appraisal. This will also document the features and specifics of your items for insurance and replacement purposes.
- Discuss coverage. Make sure you know if your policy covers only theft, or if it also includes coverage for loss and damage. Add coverage as needed.
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