An outdated jewelry appraisal can leave you with a reimbursement gap when precious metal and gemstone markets shift. Learn when to update your appraisal and how to keep your scheduled coverage in step with current replacement costs in Las Vegas and Henderson.

Most Las Vegas homeowners policies cap jewelry coverage at $1,000 to $2,500 with a full deductible. A standalone jewelry policy typically pays full appraised value with no deductible, covers mysterious disappearance, and works worldwide. See exactly when standalone beats a rider, and what it costs.