3 Simple Steps to Safeguard Your Jewelry
Here's how to make sure your valuables are properly insured.

Step 1
Find an appraiser who specializes in gems and jewelry (start with www.gia.edu/library-appraisal-associations). Appraisers typically charge by the piece ($85 to $100) for simple items and an hourly rate ($180 to $250) for more complex pieces. Avoid those who charge by a percentage of the appraised value. Ask for a detailed report that describes your jewelry and determines its replacement value for insurance purposes.
See Our Ask Kim Column: What Does Homeowners Insurance Really Cover?
Step 2
Assess your existing coverage. Homeowners and renters policies typically limit the coverage of jewelry to a total of $1,000 to $5,000 for specified perils, such as theft or fire, and don’t cover a “mysterious disappearance,” such as losing or misplacing the item. If your coverage is too skimpy, add a rider or floater with itemized or blanket coverage of your jewelry, or increase your limits. The additional coverage typically costs 1% to 2% of the items’ appraised value.
Step 3
Update your appraisal and coverage every three to five years to account for changing values or new items. Because you already pay extra to cover your jewelry, your policy may provide temporary coverage—say, up to 90 days and up to $50,000—for new pieces.

Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
The payoff
You can rest easy knowing your treasures are protected.
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.
-
What About Those ‘Guaranteed’ Life Insurance Ads?
Guaranteed life insurance policies can sound tempting if you've been declined for insurance elsewhere. Here are four downsides and one alternative.
-
13 Answers to Pressing Social Security Questions
From smart claiming strategies for couples to tips on maximizing your monthly check, we have advice that can help you.
-
Roth IRA Contribution Limits for 2025
Roth IRAs Roth IRA contribution limits have gone up. Here's what you need to know.
-
Four Tips for Renting Out Your Home on Airbnb
real estate Here's what you should know before listing your home on Airbnb.
-
Five Ways to a Cheap Last-Minute Vacation
Travel It is possible to pull off a cheap last-minute vacation. Here are some tips to make it happen.
-
How Much Life Insurance Do You Need?
insurance When assessing how much life insurance you need, take a systematic approach instead of relying on rules of thumb.
-
When Is Amazon Prime Day? Everything We Know So Far, Plus Early Deals
Amazon Prime Here are the key Amazon Prime Day dates and details you need to know, plus some of our favorite early deals to shop ahead of the sale.
-
How to Shop for Life Insurance in 3 Easy Steps
insurance Shopping for life insurance? You may be able to estimate how much you need online, but that's just the start of your search.
-
Five Ways to Shop for a Low Mortgage Rate
Becoming a Homeowner Mortgage rates are high this year, but you can still find an affordable loan with these tips.
-
Retirees, It's Not Too Late to Buy Life Insurance
life insurance Improvements in underwriting have made it easier to qualify for life insurance, which can be a useful estate-planning tool.