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1. Is an appraisal necessary for full coverage?
2. Will my claim, and the replacement value, be more readily accepted if
the appraisal has been performed by an AGS jeweler, Certified
Gemologist, or a Certified Gemologist Appraiser?
3. What is the difference between scheduled and unscheduled coverage?
4. Is there a deductible? If so, how much? Do I have the option to
increase the deductible and thus lower the premium?
5. Is my policy all-risk (partial loss, damage, mysterious disappearance, etc.) ?
6. Am I still covered if there is negligence involved?
7. Is the item covered if lost, stolen or damaged while in the possession
of someone else? What if only a part is lost, stolen or damaged while
in the possession of someone else?
8. If there is a loss, do I have a choice of a full cash-out or will I
have to accept less?
9. Can I go to whomever I wish for the replacement?
10. If a loss has been replaced through an insurance company source will I
be allowed to verify proper replacement by an independent firm or
accredited appraiser?
11. Is there a difference in limitation between jewelry and silverware?
12. Are there any geographical limitations to my coverage?

13. How much will it cost per thousand for full coverage? Partial?
What do I sacrifice for the limitations?
14. Is depreciation ever imposed? If so, to what and how is it computed?
15. How often should I have an appraisal updated?
16. Am I limited to the appraisal replacement cost should there be a
sizable increase in the value?
17. If there is damage to the piece, can I replace it or will I be limited to repair?
18. What if the lost item is irreplaceable, such as an antique?
19. Are there any security precautions required? If not, would there be a
premium savings if special precautions were taken, e.g., the items
were kept in a home safe or in a safe deposit box when not being worn?
20. What proof is needed to justify a claim?
21. Are there different kinds of jewelry insurance available?
22. Are there any exclusions?
23. What types of property are not covered?

Questions to Ask Your Insurance Agent
These questions were prepared for your use by the American Gem Society's appraisals committee. They were originally published in the Society's Handbook of Jewelry and Gemstone Appraising.

Jewelers Mutual Insurance Company, a good place to insure your treasures: