As you all know, the standard homeowners and renters insurance policies include coverage for personal items such as jewelry, but most limit the dollar amount for coverage on jewelry from $1,000 to $2,000 total. Your clients just have to do the math to see that beautiful ring they purchased would not be adequately covered should it be stolen or damaged.
Take this opportunity to encourage clients to get an appraisal for their fine jewelry so that you can add their valuables on a separate schedule to their policies. This is the perfect time for it...love, ice, and insurance. That about covers it.