You insure your automobiles and your homes, why not also insure your jewelry? Jewelry, specifically your engagement and wedding rings undergo constant wear and tear that can take a toll on your stones. An original appraisal should come with purchase, however that price can become outdated. With the rise and fall of gold prices, the worth of your jewelry is constantly changing. Most policyholders think they are covered by their homeowners insurance. This is somewhat true, but it covers a very limited amount and is not an “all risk” endorsement. Therefore, it is best to “schedule” your jewelry for an all risk insurance policy. H and H provides you with an in depth statement of current market value for each piece ensuring the item reflects current replacement value.