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My recommendation for insuring Jewelry is to schedule each item specifically on a Homeowners or Renters insurance policy.

Homeowners and Renters insurance policies do provide a limited amount of coverage automatically in most states, but the coverage is very limited, often not more than $5,000 total loss with a per item limit of $1,000.

By scheduling a piece of jewelry you are ensuring coverage on a All Risk basis.

The first step is to get an appraisal from a Jeweler than give that appraisal to your insurance professional who will add the piece of jewelry to your homeowners or renters insurance policy.

There are other ways and others policies but this is my recommendation

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Q: What is the best way to insure jewelry?
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