re: Jewelry Insurance…. Is it worth it?

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You can add a jewelry rider on your home insurance to cover full appraisal value. It’s cheap and worth it imo. Had to use it for a 10k ring and was a simple process.

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I would not recommend this. Get a separate policy. Otherwise, it goes as a claim on your homeowner's and screws up your ability to get insurance later. My wife lost her engagement ring. We filed a claim. We found it in the washing machine a month later. Canceled the claim. Still went on our policy as a claim.

Use Jeweler's Mutual or something like that.