Jewelry inventory for insurance

Jewelry inventory checklist

• Photograph the full item and close-ups of hallmarks or identifying marks.
• Record the item name, category, karat, weight, and condition.
• Attach receipts, certificates, appraisals, and previous valuation records.
• Record purchase date, price, serial number, and usual storage location.
• Keep the record updated after a purchase, repair, or appraisal.
• Export or share the inventory when your insurer or adviser requests it.

Keep expectations clear

An inventory can make your records easier to find. It does not establish the amount your insurer will cover or guarantee acceptance of a claim.

Ask your insurer whether it needs a professional appraisal, a scheduled-item endorsement, specific photographs, or another format.

For gold items, you can use our gold jewelry value calculator to understand the estimated metal component. It is different from an appraisal or insurance replacement value.