Most homeowners and renter's insurance include jewelry as personal property, but that coverage may not be enough to cover your purchase.
Many policies set a limit and might not protect against all losses. Given the sentimental value of some heirlooms, think about coverage for all situations.
Your standard policy might only cover a fraction of what your jewelry is worth.
Most policies will protect against theft, but you may need additional coverage to protect your jewelry against damage or loss.
Check with one of our insurance agents to better understand the scope of your policy. If it's not enough to cover the items you want to protect, consider purchasing a separate policy or adding an endorsement.