Insuring high-value personal property is a good idea, and your jewelry is no exception. Homeowner's and renter's insurance policies usually offer coverage for jewelry theft, but not necessarily damage or loss. Carefully review your policy. Depending on the value of your collection, you might consider insurance specifically for your jewelry. Ask whether this policy would cover unset gemstones and antique jewelry.
An appraisal is important for insurance purposes as well as for future upgrades or possible resale. While GIA can't recommend an individual appraiser, there are several appraisal associations and networks that can help you locate one in your area. These are national associations that have members all over the country, and many require that their appraisers have a GIA Graduate Gemologist (GG) diploma from GIA in addition to supplemental appraisal training.