Gold has traded at or near record highs through 2025 and into 2026, and industry reports note a sharp rise in targeted attacks on valuables alongside warnings that many households' home insurance valuations haven't kept pace with the metal price. If the safe protecting your jewellery was bought - or its insurance declared value set - a few years ago, both may now be quietly out of date.
Why this matters even if you haven't bought anything new
Rising gold and silver prices don't just affect what you'd pay for new jewellery - they increase the replacement value of what you already own. Inherited pieces, wedding rings and older jewellery boxes can be worth substantially more than their last valuation, which matters both for insurance cover and for what level of safe security actually matches what's inside it.
Matching safe grade to real value
The Phoenix Elara HS3550 Series is EN1143-1 Grade III certified - a meaningful step up from entry-level security safes, designed for households and businesses holding genuinely high-value cash and valuables rather than everyday documents.
Before you assume you're covered
- Check your home insurance policy's single-item and total valuables cap against current replacement values, not the price you originally paid
- Confirm your existing safe's certified Grade actually meets what your insurer requires for the cover level you want
- Get pieces revalued periodically if metal prices have moved significantly since your last valuation
See the range
View the Phoenix Elara HS3550 Series to compare sizes and lock types.
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