Jewelry Appraisals

Jewelry Appraisals

Although jewelry insurance is not required by law like your home or vehicle insurance, it is just as important to ensure that your valuables are covered.

There are some common misconceptions about jewelry appraisals:

  • A receipt is all that’s needed to cover a piece of jewelry. 
  • An appraisal is different than your credit card receipt or proof of purchase as there typically is not enough information listed to gain adequate coverage. An appraisal, however, is a detailed document that identifies many specific aspects about each piece of jewelry that can then be submitted to insurance company to set the coverage and premiums to cover said piece.


  • You only need to have your jewelry appraised once.
  • Jewelry values can fluctuate so you will need to check with your personal insurance company to see how often they suggest you update this information to ensure your jewelry is covered for the right amount. If you’re underinsured, you may incur additional out-of-pocket expense to repair or replace jewelry that becomes damaged or lost. Insuring your jewelry for its current retail replacement value is vital to repair or replacement.


 Our jewelry appraisals include the following specifications as well as an image of the item
  • Detailed description of jewelry
  • Type of metal the stone(s) are set in
  • Stone information – think 4 C's: cut, color, clarity and carat weight
  • Side stone information
  • Value of the jewelry


Whether you are starting from scratch or have an outdated appraisal, we can assist you with making sure you have the information you need to get the coverage required.

Stop in or call today from more information.