When you purchase an item with considerable value like jewelry, have it appraised and contact your Agent immediately! Find out how much coverage you have and if any additional coverage is needed.
Keep your store receipt with your home inventory records and take a picture of the item. This will help to document your loss and speed up the claims process. And, don’t forget to store the item in a secure location. If it is something that you don’t use on a regular basis, you may want to consider keeping it in a safe deposit box!