February 10, 2023

Protecting Fine Jewelry: 5 Ways to Keep Priceless Jewelry Safe

Caitlin Sacasas

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fine jewelry insurance: an heirloom ruby ring with diamonds

The best way to protect your priceless heirlooms and fine jewelry should always be top of mind. Preventing damage, safe travel, and proper storage to prevent theft are key. Here are the best ways to store and protect your jewelry collection: 


1. Store Fine Jewelry in a Fireproof Safe 

Securing your jewelry in a fireproof and burglar-proof safe can keep your heirloom jewelry and valuables safe from theft and damage. 

Jewelry boxes are the first place a burglar goes when attempting to steal expensive items. Keeping them out of sight and stored securely away will reduce your risk. 


2. Always Have Documentation and Appraisals 

Document what pieces you own by keeping a photograph on hand of each item. Include details of their appraised value and description. If you haven’t gotten an appraisal done, it’s a good idea to have a record of its value should something happen. 


3. Insure Jewelry for the Unexpected 

Insuring jewelry will help protect and cover your items in the event of damage, loss, or theft. Collections insurance can be added to your home coverage to cover any losses associated specifically with your jewelry and heirloom collection. 

Have an appraisal done to know the value you need insured and then talk with a Vault agent to discuss coverage options. 


4. Install a Home Security System 

Having a home security system or doorbell camera can help protect your home when you’re away. They are a deterring factor for potential burglars and keep your valuables safe. 


5. Be Mindful While Traveling 

Never check your jewelry in your luggage. Instead, always keep your jewelry on your person while traveling. It’s also best to keep your jewelry in a hardshell box to prevent damage and wear and tear during travel. 

Pay attention to your surroundings and do not flaunt your accessories. Thieves often scope out tourist spots that attract wealthy patrons to swipe their jewelry. Paying close attention and staying mindful will help prevent lost jewels. 

You can read more tips for traveling safely with jewelry here.


Storing Your Priceless Jewelry 

Prevent damage to your fine jewelry by properly storing your pieces. Here are some things to keep in mind to prevent jewelry damage: 

  • Always store your jewelry in low humidity, away from sunlight and moisture, to prevent tarnish. If you live in a humid area, keeping a silica pack in your jewelry box can prevent excessive moisture. 
  • Store diamonds and gemstones away from other jewelry. They can scratch your other jewels and metals, such as pearls. 
  • Place your jewelry in soft-lined fabric, such as cotton or felt, to prevent damage. 
  • Have your jewelry cleaned to maintain its integrity, shine and sparkle. 


Jewelry Insurance: Is Insuring Jewelry Worth It? 

Is insuring your jewelry worth it? It depends on your specific situation and the jewelry you have. If you have priceless family heirlooms or jewelry that would be expensive or hard to replace, it may be worth considering jewelry insurance. 

Jewelry insurance, offered under Collections Insurance at Vault, is designed to cover anything of high value above your home insurance premium. It can be added on to your policy and give you peace of mind that your valuables are protected. 

Talk with your Vault insurance agent about what coverage options would be best for you and your jewelry collection. 

Request a quote for Collections coverage and experience the Vault difference. 


Related Products: Collections Insurance 

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