Each custom piece of jewelry that you design and purchase comes with an appraisal so that you can insure it through your renters or homeowners policy.
Here are some great resources to help you understand the jewelry insurance appraisal process, what to expect, and other info.
Here is an excerpt from JewelrsMutual.com:
The Knot shares that you should expect a fee for the appraisal. Here is what they say: