Your jewelry is valuable to you - you love it, treasure it. But along with the emotional value, it does have a monetary value as well. But you may have inherited jewelry or watches or received them as gifts, so you don't know exactly what their current value is. If you want to insure your jewelry and watches, you need to know what they're worth (and not just to you)


In an appraisal, a certified gemologist or appraisal expert will inspect your jewelry, diamonds and gemstones. Bring documentation such as sales slips, diamond or gemstone grading reports and warranties if you have them. The appraisal will take into account:

• Current competitive retail prices
• Brand names, serial numbers, model numbers (for watches), identifying manufacturer's marks on diamonds
• The karatage for gold; the stamping of the percentage on platinum.
• The metal of prongs and mountings
• For diamonds and gemstones, the appraiser will evaluate the 4Cs (cut, color, clarity and carat weight)

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