Christelle Fourie, MUA MD chats about importance of accurate value of contents insured, and the role of a specialist to determine the replacement value. Consider the importance of this in the event of a fire or a major burglary. Read all the fine print in your policy document to make sure that should one of your prized pieces of jewellery be stolen or lost that it will be replaced with the same jeweller. Make sure you have valuation certificates that are up to date and stored in a safe place such as a safe or in a deposit box at the bank, where its safe from fire damage.