If you're overwhelmed with where to start finding the appropriate coverage for your new jewelry, Travelers Insurance suggests the following steps to jumpstart the process:

Read your existing homeowners or renters policy to find out what is currently included and what your coverage limits are.
Make a list of all items you might like additional coverage for, including expensive or antique items, family heirlooms, artwork, silver, expensive hobby equipment or other high-value items.
Attach a monetary value to each item you plan to insure. If you're unsure of the value, consider having the item appraised by a professional. Keep documentation of the appraisal in case your insurer requests it.
Ask your agent for a quote on a personal articles floater for your jewelry and other valuables – especially if the value for which you'd like to insure them exceeds your existing homeowners or renters policy limits.

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