I''ve had Chubb insurance for a couple years now and I just noticed the value of my wife''s rings keep going up. Originally the e-ring was insured for $13,950 and the policy I just got lists it as $15,088. Similarly the wedding ring went from $3,095 to $3,219. Of course the premiums are going up too. Can anyone explain this? Is it just a standard practice for jewelry insurance? I''m honestly not thrilled with the way Chubb is set up but it doesn''t seem like there are any other options...blurgh.