How to document your jewelry for insurance: the photos to take, which papers to keep and where, recording diamond report numbers, scheduling valuable pieces, and why it makes a replacement exact.

Insurance offering cash or a replacement for your lost or stolen ring? How each option works, why cash offers can come in low, when replacement is better, and how to recreate the ring either way.

Can you choose your own jeweler for a jewelry insurance claim? How insurers settle (your jeweler, their supplier or cash), questions to ask your adjuster, and how Segal works with insurers.

Jewelry stolen in a burglary? How homeowners and renters insurance pays for stolen jewelry, the typical $1,500 theft limit, what documents to file, cash vs replacement, and how to replace several pieces.