Anything you would want to replace or couldn’t re-purchase. You have to keep in mind if you suffered a fire or robbery and all of your jewelry was damaged or gone your insurance company would most likely only cover the...

First of all, you have spent your time and money picking out nice pieces of jewelry or have been given special items from family members. Your favorite pieces of jewelry reflect who you are and connect you to special moments...

When researching prospective appraisers, do an ample amount of research before making a decision. There is a big difference between a local jeweler appraising your piece with the ulterior motive of trying to buy your piece or sell you one...

You may still have to prove the value if a loss occurs When you file a claim, the insurance company won’t simply write a check for the amount of your stated coverage. They will verify the details before settling your...

A sales receipt won’t do Insurance companies won’t accept a receipt of purchase as a legitimate measure of value. It doesn’t matter how much you paid for your jewelry. When writing a policy or paying a claim, the insurance company...

Insurance companies never take your word for value Whether you’ve spent years building your fine jewelry collection or you’ve recently acquired your first exquisite piece, you should insure each item to value, just in case the unexpected happens. To do that...

Appraisals are important to the insurance process You’d probably prefer not to think about your jewelry treasures being damaged, destroyed or lost during a catastrophe, but it’s prudent to be prepared with a detailed jewelry appraisal. If you have a...

This is a matter of personal opinion, specific needs and finances. Each metal has advantages. Platinum is more expensive but requires significantly less upkeep over time. Platinum prongs and shanks do not wear away as quickly as white gold. Platinum...

Just like real estate appraisal, jewelry appraisal is largely a matter of research. However, real estate appraisers can look up past sales in the public records. You are the source for sales records of personal property such as jewelry.  Here...

The services of an independent appraiser are increasingly of importance in today’s complex market environment. As consumers have grown in sophistication and education, diamonds have gotten more costly, and many previously unheard of treatments and ethical issues have arisen, as well. One...