Insurance policies usually cover high risk items for a specific amount for each item and in total. Ask your insurance company to cover your high risk items for their actual value even if you have to pay an additional premium. You may ask for an ‘all risk’ cover if you wish. If you are insuring jewellery, watches, works of art, furs or other similar items we advise you to prepare an inventory list with a description of the items as well as receipts and evaluation confirming their value. This facilitates you and the insurance company in case of a loss or damage as no one could questions their value. You may also photograph your high risk items and give copies of photos to your insurance company. This will be very wise in case of theft.