01
An inventory is supporting evidence, not insurance
A well-maintained inventory can help you describe what you own and locate supporting documents. It does not create coverage or guarantee that an insurer will accept a claim. Coverage rules, evidence requirements and valuation methods depend on the policy and provider.
Ask your insurer or broker exactly what they require, particularly for high-value items, sets and pieces with gemstones.
02
Create a record for every item or set
Give every piece a clear name and stable reference. Record sets together when they were purchased and valued as one unit, while still photographing each component.
- Overall and close-up photographs in good light.
- Hallmark, HUID, serial number or certificate details where applicable.
- Metal, purity, gross weight and known stone details.
- Seller, purchase date, bill and payment evidence.
- Appraisal document, appraisal date and the professional who prepared it.
- Repair, resizing or alteration records.
03
Use photographs that can identify the piece
A decorative photograph is not always an identifying photograph. Include the whole item, distinctive details, clasps, hallmarks and visible wear. Keep the original files when possible rather than only compressed copies shared through messaging apps.
04
Review values and policy limits separately
Purchase price, current metal estimate, appraisal value and insured value answer different questions. Store their dates and sources. Then compare the documentation with policy limits, exclusions, excesses and requirements for scheduled items.
05
Protect the record itself
Jewellery records are sensitive. Use strong authentication, limit family access and avoid publishing storage details. Keep an authorised way to retrieve documents if the primary account holder is unavailable.
Ghar Ka Sona can organise an insurance-inventory export, but an insurer or qualified appraiser must decide whether the information is sufficient for their purpose.
Start with one record
Keep the practical details and the family story together.
Create a private Ghar Ka Sona workspace and organise your first jewellery record in a few clear steps.
Create an account