Jewelry
The rings, chains and earrings that stay behind
A wedding band, a gold chain, a pair of earrings. Small, valuable, easy to pocket, and almost never written down. That combination is the whole problem.

Jewelry is small enough to slip into a pocket and valuable enough to tempt someone who would never carry off a television. Left in a dresser drawer, it is open to every visitor, every roommate, and every move the household makes while you are away. Left with a relative, it depends on that relative's home, health and memory. For years.
Most families have never written it down. They know there was a gold chain and a ring from a grandmother, but not the karat, the stones, or what an appraiser once said. Without a record, a missing piece becomes an argument. So before anything moves, photograph each piece on a plain surface, note any engraving or hallmark, and gather whatever appraisals and receipts exist.
A bank box is not an automatic answer. Its rent comes due every year, and a sentence measured in years outlasts plenty of autopay arrangements; read what happens when box rent goes unpaid. Our approach is a prepaid multi-year term, a signed inventory that lists each piece, and one named person with authority to reach it.
One caution, stated plainly. If any piece is, or may be, part of the case (as evidence, in a forfeiture claim, or toward restitution), ask your attorney before it is moved anywhere. We honour warrants, subpoenas and court orders. A vault box keeps property in order. It does not take property out of a case.
What matters
- Photograph every piece on a plain background, with engravings and hallmarks visible.
- Keep appraisals and receipts with the inventory, and give a copy to the person you name.
- Decide who may reach the box before the sentence starts, and put it in writing.
- Contents insurance is separate from rent and is set against a value you declare.
- If a piece could be part of the case, the attorney decides first.
How we handle it
- Each piece is listed on a signed intake inventory, and you keep a copy.
- The box can be rented in your name, jointly, or in the name of a trust. The rental agreement decides who may enter.
- Contents insurance is arranged separately against a declared value, and Lloyd's of London coverage is available. Ask your broker what fits.
- Visits are by appointment, Monday to Friday, 9 AM to 6 PM, and every visit is identified and logged.
Where we stop
We do not appraise, buy or sell jewelry. We cannot say whether a piece is within reach of a court or a creditor; that question belongs to your attorney.
Short answers
- Should a wedding ring go in the box or stay with family?
- That is a family decision. Some people store everything except the ring they wear. What the person inside may keep is set by each facility, so check with the facility first.
- Do I need an appraisal before storing jewelry?
- No. An appraisal helps if you insure the contents against a declared value, or if anyone later asks what a piece was worth. Photographs and a written description are the minimum.
- Can a relative add pieces to the box later?
- Only a person the rental agreement allows to enter can open the box. Every visit is identified and logged, and anything that goes in is added to the inventory.
Questions people ask about this
More on what to store
Watches
A watch is proven by its serial, box and papers. Keep the three together and record who can reach them.
Coins and bullion
Coins and bullion counted, listed and stored in one place. We hold the metal and never buy, sell or value it.
Deeds, titles and documents
Deeds, titles, wills and tax papers kept in one listed place, with a named person who has authority to use them.
Passports and IDs
Passport, birth certificate and Social Security card listed and stored together, once you have asked your attorney about surrender.
Family heirlooms and photographs
Photographs, letters and keepsakes worth little to a buyer and everything to a family, listed and kept in one place.
Settle it before the date, not after.
A short call is usually enough to know whether a box is the right answer. If it is not, we will say so. Attorneys and family members are welcome to call on a client's behalf.