- Check with your insurance agency to find out whether expensive jewelry is covered under your existing policy — they may only cover it up to a certain amount and not the entire replacement cost.
- Have your jewelry inspected on a regular basis. This can prevent loss of loose stones, faulty clasps and worn prongs. You can update your appraisal at the same time.
- Don’t make it easy for burglars and others in your home to find your jewelry. Protect your jewelry and other precious possessions by securing them in a safe or a hiding place in your home. Consider storing barely worn jewelry in a bank safe deposit box.
- Take a home inventory to help get your insurance claim settled faster and more accurately.
- Insure your jewelry to assure that you can replace it if it is lost, stolen, or damaged.
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