Comparing homeowners vs standalone jewelry insurance

I’m in the process of deciding how to insure my jewelry and I’m a bit torn between adding it to my homeowners policy or getting a separate jewelry insurance policy. On paper, the homeowners rider seems simple but I keep seeing people say that separate policies offer better coverage for things like loss, travel and claims, while homeowners can be limited. For those of you who’ve looked into this or already made this choice what did you end up doing and why? I’d really appreciate hearing your honest reasoning either way.