Having a closet full of affordable costume jewelry isn't going to be something you're going to want to have insured or appraised. However, as you start to inherit pieces of jewelry from your family or you start to build your own collection of jewelry, you may want to look into both of these options. Why Insurance? You insure your family, you insure your life, you insure your car, and you insure your house, but what about your jewelry?
Ever since I was a child, I've loved the look of fashion earrings. However, I soon discovered that my ears are sensitive to metal-coated earrings. Rather than spend a small fortune for custom made jewelry, I've found retailers that sell hypoallergenic earrings. These earrings are made for individuals such as myself with sensitivity to metals. Check your high-end department stores or local jeweler. You'll find hypoallergenic earrings in sterling silver, white gold, yellow gold, and platinum. The main thing is to never choose jewelry containing nickle, as this is commonly the culprit. A good alternative to metals listed above is titanium jewelry, as this is considered to be hypoallergenic. Also, avoid using harsh detergents or chemicals to clean your earrings and jewelry, as this may cause further irritation. Mild dish soap may work well, but be sure to rinse your jewelry thoroughly.