Most personal items like jewelry and heirlooms may be added to a homeowners insurance policy as "scheduled personal property," but if you do not own a home or prefer a separate policy for your jewelry you may purchase a specific type of insurance known as jewelry insurance. Since the primary reason you purchase insurance is to protect the value of your property, you will want to get an appraisal to ensure adequate coverage.
If you have a Homeowners (or Renters) Insurance policy you can add it as a Valuable Items Coverage. It depends on your insurance company but as a general rule of thumby you will need a appraisal that is no more than three years old.
Since it is Antique Jewelry, you may want to be a bit picky about "who" you choose to appraise it though. I would not just take it down the appraiser down the street.
You may also have the option of procurring standalone valuables coverage for these items that are seperate and distinct from yoru home or renters insurance.
If the valuable exceed a certain amount (specific to the carrier) you likely to save money if you have a home alarm and or a lockbox in your house.
From a general risk management standpoint also, may I lastly suggest that you store the items in either a safe in your home or a safe deposit box at the bank?
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