Take your jewellery off if you're involved in any activity which could scratch, knock or damage it. Ny doubt, take it off and keep it safe.
Take it off before you go to bed. Tore it separately, ideally in a soft-lined box or case, so that your favourite pieces don't tangle. Rub or scratch one another.
In pearls particular should be kept separately as they are easily scratched by hard gemstones. Make sure chains and necklaces are fastened when storing to avoid tangling. Do not over stretch your bracelet to avoid snapping.