Jewelry is something most adults purchase and accumulate and for which the value is far in excess of what standard policies cover. I thought about this after coming across a post, What Does it Mean to "Replace" a Lost Diamond Bracelet Under State Farm’s Homeowner’s Policy, by Mark Nation. Insurance agents study what their clients may need for insurance purposes. They should strongly urge that most of their clients schedule jewelry items because, chances are, policyholders are otherwise underinsured under most standard forms. Further, the perils to jewelry are extraordinarily limited under the standard form, so agents should be making certain that their clients are aware of and purchase the proper coverage for jewelry items that are valuable and emotionally important.