Insure diamond jewelry by obtaining a professional appraisal or replacement-value certificate, then add the piece to your homeowners/renters policy or buy a standalone jewelry insurance policy that covers loss, theft, and damage. Keep documentation current and file photos and receipts with the insurer.
Key Facts
- Get a written appraisal or replacement-value certificate from a qualified appraiser.
- Compare adding to homeowners/renters policy vs standalone jewelry insurance for coverage limits and deductibles.
- Update valuations every 2–5 years or after major market changes.
Summary
Obtain a professional appraisal, choose between adding to an existing policy or buying standalone jewelry insurance, and keep documentation and valuations up to date.
