re: Jewelry Insurance…. Is it worth it?

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Appraisal on jewelry isn’t worth the paper it’s written on. It’s only worth what someone is willing to pay for it and unless it has provenance connecting it to someone or something famous it will sell for maybe a third of that appraisal.

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There is a generational reality that older women had more jewelry. There is a glut at estate type jewelers.

I think the next generations of people travel more and accumulate less. Jewelry is not how they store wealth or how they show appreciation.

Less children are born with each generation so giving jewelry to heirs is not guaranteed.