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Insurance Appraisals 2018-12-19T12:55:13+00:00

Consultation (Free)

Free 20 minute basic identification consultation. You will be asked to provide any previous documentation if available. Based upon the data provided and the complexity of your jewelry, we may be able to provide you with a ballpark estimate of its value as well.

Insurance Appraisals (from $99)

The jewelry insurance appraisal is the most common type of jewelry appraisal. Most standard home owner’s or renter’s insurance policies set limits on coverage of jewelry, both in the amount covered and the types of loss covered. A typical homeowner’s policy will only cover jewelry up to $1,000 and only cover loss from theft. For this reason, most people with jewelry of value choose to add an additional rider to their policy or purchase separate jewelry insurance. Insurance companies require an appraisal of the jewelry in order to take out this extra coverage.

The jewelry insurance appraisal protects all parties involved. It is a document that protects the owner by making sure that in the event of a loss, they get a fair settlement. Without an appraisal, the insurance company may estimate on the low side and pay less than the jewelry is worth. An accurate jewelry insurance appraisal allows for claims to be paid more quickly and easily.

Because market values are constantly changing, we suggest you have a jewelry insurance appraisal performed every three years to ensure your jewelry is adequately insured in the event of a loss.

Pricing details:
Item with no gemstones: $99 per item
Solitaire/loose stones: $110 per item
Item with multiple stones: $125 per item
Wedding Set (not soldered together): $150 per set
Watch: $125 per item

Quantity discounts: Groups of multiple items are buy one get second 50% off, and groups of 10 or more are all 50% off.

MOST INSURANCE COMPANIES REQUIRE YOU TO UPDATE YOUR APPRAISAL EVERY 2-5 YEARS.