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As the holiday season comes around quickly, this is a time for those BIG surprises that make everyone smile. This is a time for many expensive jewelry purchases for loved ones. With that, it’s important to understand why and how to insure these pieces. Aside from some having sentimental value, they are also worth a lot of money. It would be just as upsetting to lose for the financial loss as the sentimental one. Coverage isn’t as pricy as you think either. It’s typically about 1-2% of the value of the item per year. There are a couple of ways to go about obtaining coverage for your most precious jewels so here is a brief breakdown of the types of jewelry coverage out there.