insurance - what to look for?

[Xanthoria]

I have my ering insured with State Farm on a separate rider from the homeowner's for replacement value.

I have heard talk of Jeweler's Mutual, but their site's quote was almost double that of SF for what appears to be the same level of insurance/deductible.

What sort of things should one look out for when shopping for jewelery insurance?

 

[MissStepcut]

I've heard (secondhand) that State Farm will NOT replace your piece with something that most PSers would consider to be the same quality. YMMV.