Only one piece of my jewelry is insured (okay, not necessarily smart, but...). It's a little trinket my husband gave me for our 10th Valentine's Day (we got engaged on Valentine's Day ten years ago...). He had asked my daughter for some recommendations, and she came across this "cute" cupcake necklace from Tiffany's. She had put it on his list - assuming that he would NEVER buy it...but HE DID! Neither of them knew that I had seen this cupcake necklace on an internet search - and then had seen it at Tiffany's in NYC when I was there with some friends. I thought "if I ever have a thousand plus dollars to blow...maybe..." And then my husband SURPRISED me!!! What can I say - spoiled and loving it and my husband!