Lost a diamond earring while touring the Tower of London? Your homeowners insurance will likely cover that. Even though your house is in the Midwest, more than a thousand miles away. Even though you didn't lose it in your house. Amazing, isn't it?

• String of tuba thefts amplifies instrument insurance issues
  

  Typical homeowners insurance hits a sour note on covering musical instruments.

• Burgled bling: adequately insuring gold jewelry
  

  Escalating gold prices and a sour economy are making the precious metal a hot commodity and a favorite target for thieves.