3 Simple Steps to Safeguard Your Jewelry

Here's how to make sure your valuables are properly insured.

Jewelry in a box
(Image credit: Getty Images/iStockphoto)

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.

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