I am flying to ZRH this winter for a ski vacation.

What do the airlines (AA, LX, NW, KL) cover for ski damage?
Are skis one of the excluded items from the baggage policy(like jewlery)?
If the airline does not cover skis, can someone recomend a way to insure skis against loss and damage while underway?

I have quality skis and would not be happy to arrive in ZRH with damage or lost skis.
Thanks in advance.