With the increased prices of Gold,  Platinum and large diamonds,  your fine jewelry may be worth more now than when you purchased it or had it last appraised.  Gold and Platinum are at record high levels.  I would recommend that you have your fine jewelry appraisals reviewed by a competent jeweler or jewelry appraiser,  and then discuss these changes with your insurance company.  If your jewelry is not insured,  you can visit Jewelers Mutual at InsureYourJewelry.com,  or contact your homeowners insurace company to add it to your existing policy.