You have insurance but have never checked whether your documentation would support a claim.
An appraisal is necessary but may not be sufficient. Insurers require photos, proof of ownership, and current documentation.
I have an appraisal. That is all I need.
Decisions this guide supports:
Is my jewelry insured? — Check coverage first.Create a digital file for each piece: recent appraisal, photos from multiple angles including being worn, receipt or proof of purchase, written description. Store in at least two locations.
Most insurers require: a recent appraisal describing the piece, photographs from multiple angles including one showing it being worn, proof of ownership such as a receipt, and the date documentation was created.
Photograph against a plain cream background in natural daylight. Take: full shot, close-up of hallmarks, close-up of distinctive features, shot being worn, and shot with ruler for scale.
Store in at least two locations: one physical (fireproof safe) and one digital (cloud). Do not store only at home. Share a copy with your insurance agent if they offer document storage.
