I have jewelry insurance on large important pieces but I am curious what is your value cutoff for when you decide to add a piece to your policy for an additional premium or not? For example, I have recently bought my wife another eternity band for stacking purposes. It's of good size with a value of around $4,000 and an insurance value of $6750 from my local trusted jeweler. Would you insure this piece for $100ish a year? Of course much large more expensive piece have insurance I am just curious what value makes you decide to add a piece to your policy or not. Thank you