It is not mandatory to get jewellery valued before taking a cover under the householder’s policy. However, it is always good and in the interest of the insured to mention, in detail, the articles with their separate weight and value. In the event of a claim under the policy, the processing of the claim becomes smoother because of the available details, both for the surveyors and the insurance company. Of late, some insurance companies have introduced products which provide a blanket cover for items such as jewellery. In that case, there is no need for you to identify each item individually. But, these tailor-made covers usually come with low sum insured values. These policies put a cap on the sum insured for each item within the total sum insured.