Jewelry
Jewelry Insurance
There may be limits on how much coverage you get for expensive items such as jewelry, silverware and furs. Generally, there is a limit on jewelry for $1,000 to $2,000. You should ask your agent or look it up in your policy.This information is in Section I, Personal Property, Special Limits of Liability.
Insurance companies may also place a limit on what they’ll pay for computers.
If the limits are too low, consider buying a special personal property floater or an endorsement. These allow you to insure these items individually or as a collection. With floaters and endorsements, there is no deductible. You are charged a premium based on what the item (or collection) is, where you live and its dollar value.
You can determine the value by providing your agent with a recent receipt or getting the item or collection appraised.