14. If you find yourself traveling with large, luxe jewelry, get them insured. Jewelry insurance is great because it covers all types of loss or damage, including robbery, house fires, and even acts of nature like floods or earthquakes.
Jewelry insurance is different from travel insurance which covers luggage or lost baggage. Although you can buy both from one company, there are still some differences between the two types of policies regarding claiming a loss. Also, if you're traveling coast-to-coast with lots of jewelry, you should purchase separate jewelry insurance from luggage insurance.
If you do lose your jewelry, or it gets stolen from your room or hotel safe, you'll need to file a claim with the insurer as soon as possible. Most policies state that you must notify them within a few days of discovering your loss. Also, keep receipts for any repair or reasons to account for any loss.