How to Buy Jewelry Insurance

First select the item to be insured.

Then order an appraisal. Go to findanappraiser.org to find an appraiser located near you, who will charge an hourly rate for a report.

Request a personal property floater from your homeowner’s-insurance provider. This will cover the appraised items if they are lost or damaged. It will run you anywhere from $100 to $1,000 annually.

Store all receipts and appraisals in a fireproof box. (Hopefully, you will never need them.)

But if the worst should happen—your item is stolen, lost, or destroyed—you can file a claim on it.

File your claim as soon as possible to make sure that you’re reimbursed for the full value of your item.