G.G. The following information is provided to educate and inform. However, most people who purchase homeowner's insurance assume that their jewelry is automatically covered under that policy.
Most people are unaware of how much their entire jewelry collection is worth.
This is a very simple procedure and, in the long run, could save you thousands of dollars if a loss should occur. The first step is to find a qualified jewelry appraiser to write an accurate appraisal, or use the appraisal that should have been included with your jewelry item when purchased. If your appraisal is more than five years old, it should be updated. You may also want to check the educational background of the person who will be writing your appraisal. No state or federal government agency requires that a jewelry appraiser have any gemological training whatsoever, so be careful whom you choose.