How to Insure Your Jewelry Collection

First and foremost, insuring your jewelry collection involves talking

to the provider of your home's insurance policy. In most cases, this
would be your local insurance agent. It's important to find out whether
or not jewelry is covered under your current policy and, if it isn't,
how to best go about getting the proper coverage for your collection.
In some cases, you may be required to purchase a rider policy 

especially for your jewelry.

As you already know, having an established value is important when it

comes to purchasing insurance coverage. When it comes to jewelry, you
may wish to consult with a professional jewelry appraiser, especially
if your collection is of significant value. With a written appraisal,
you will be able to prove the worth of your valuables. In addition, 

you may need to photograph and/or video your entire collection. If possible, make sure that the date stamp is imprinted on the photo(s) or displayed on the video. This will help to prove the authenticity of the images if necessary in the future. As a final step to documenting your collection, you can take a written inventory of each piece, including a detailed description and value.

Once you have all of the necessary paperwork and information gathered,

it's important to store the appraisal, your insurance policy and any
written, photographed or video documentation relating to your 

collection, in a safe place. Every individual family has a preference

when it comes to where to store their important paperwork. Whether 

it be inside of your home in a lockbox or in a safety deposit box at

your local bank, it's wise to keep this information in a place that
you know it will be safe and easily accessible by you or your family.

In case you are wondering why this type of coverage is important, it's worth nothing that the price of precious metal is significantly

on the rise and has been so for some time now. With no immediate 

turn in sight, experts predict that the value of precious metal will

continue to grow. Many of us hear that gold is rising in price, 

but you may not realize that sterling silver is also increasing in value.

While this may seem like a lot of work now, it will prove to be worthwhile in the event of an unforeseen occurrence that may result

in the loss of your collection. Just as you would insure anything of
value, it's important to make sure that your jewelry is covered. 

Instead of assuming that your collection is protected under your current policy, it's important to confirm this by either reviewing a copy of your policy or by speaking with your local insurance agent.

While hopefully you will never need to enforce the coverage, it will
provide you with great peace of mind just in knowing that it is there.

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