What to know: “As long as a manufacturer is still making your earrings, it’s usually not a problem to order a single matching one,” says Amanda Gizzi of the Jewelry Information Center, an industry association. If the piece is no longer produced, a good jeweler can sometimes make a close match. “In some cases, we can exactly duplicate a missing piece,” says Anne Blumer, a gemologist who helps oversee State Farm’s jewelry-replacement program. “Or if it’s a discontinued item, we can replace it with something very close.” For future losses, you may be able to add jewelry-replacement coverage to your home owners’ insurance policy.
Where to go: Ask your insurer about its replacement services―and make sure your most valuable pieces are adequately covered. Jewelers Mutual Insurance (jewelersmutual.com) deals exclusively with jewelry coverage, offering repair and replacement services for policyholders in the United States and Canada.