A separate policy for jewelry can be your best solution, for several reasons:

1. Separate claim. Buying a jewelry policy avoids the premium increases or nonrenewal that may result from a homeowner’s or renter’s claim.

2. No deductible can be an option with a separate policy.

3. The broadest valuation options and causes of loss or damage are available because jewelry policies specifically address common sources of claims such as “mysterious disappearance,” and they routinely cover replacement cost.