<prompt> Human: Recently, I inherited jewelry that has been in our family a long time, some coming from Europe 100 years ago, others acquired more recently 50-75 years by someone with an eye for pricey baubles and apparently more money than sense.Additionally, one of my grandfathers believed in accumulating gold and silver bullion. I could theoretically sell it all, but really do not need to, and kind of like having things that meant so much to my grandparents and great grandparents, but this raised the issue of insurance. It is my understanding per Google that it will cost an additional 1,000year to add the items to my homeowners policy, which I am having a hard time with. That is a mortgage payment. Or four car payments. I am working and supporting myself, while feeding my pension, and Roth, but am not struggling. I could afford 84month, but I am experiencing sticker shock.If it is in stored in a safe deposit box, is the insurance premium lower? Is there another option?EDIT:I have read a bit more and while keeping these things in a safe deposit box will reduce the premium, I will still need to insure the items. Furthermore, it seems banks are really quick to auction of your belongings if you miss a payment on the box. The money in excess of the box rental will be sent to unclaimed property but I assume items would sell for far less than the appraisal value, and I would lose heirloom items. While I would take out a box with the intention of paying the rent, illness later in life could prevent me doing so if I am incapacitated. I have read horror stories about people who have lived in the same place for decades and who have active accounts at the same branch their box is at losing everything when the bank declares a box abandoned.Still looking for the best option.  <response>: Insure it separately. At least get quotes. I wouldnt put it on a home owners. You might get a really good deal having it kept in a safe deposit box too. Ask the bank. 