The world turned upside down this year, gold is at a staggering high and the price of diamonds is tracked in US dollars. There’s a good chance your jewellery valuation is out of date.  A good valuation will have photos and weights, if the worst ever happened you need to make sure you could replace the piece accurately.  The sentimental nature of jewellery can of course never be replaced but at least you’ll be covered financially to remake a similar piece.