The short answer is yes. If you own or rent your home, you might have included the value of your jewelry in your homeowner’s or renter’s insurance; however, the upper limit of this coverage usually isn’t nearly enough to replace a lost or stolen jewelry item. You can add a rider that covers specific property or, for special and expensive pieces of jewelry valued at over $2,000, you can purchase separate insurance. You will be asked for documents and appraisals, so have those ready, and be prepared to ask questions about coverage limits and circumstances like loss or damage.
