Reasons Why You Should Have Your Jewelry Appraised


Reasons Why You Should Have Your Jewelry Appraised Reasons Why You Should Have Your Jewelry Appraised

Reasons Why You Should Have Your Jewelry Appraised


Even thinking about your jewelry potentially being damaged or stolen can leave a sour taste in your mouth. Even though you don’t want to think about these events, and they are less likely to actually happen, it’s best to be prepared for the worst.


You’ve spent years building up your collection of jewelry; you probably already have decided to leave your most favorite pieces to your children. Because of this and the potential for a disaster, it’s important to insure the items you have to their value. To do this the right way, you should have your jewelry appraised by a professional.  There are a few reasons you should consider this.

Insurance Process


You probably have an attachment to your most favorite pieces of jewelry, and you’d love them no matter their value. But determining what they are really worth is important when you are in the process of insuring them for a few reasons:


  • Check to see if your homeowner’s insurance will cover these pieces if they are damaged or lost.
  • If they are not covered, you may need to get a special endorsement policy which will cover your pieces based on their appraisal.


Insurance Companies Require Proof


Even if you’ve been with the same insurance company for as long as you can remember, this relationship isn’t built on trust. The underwriters with your insurance company will require proof of value before they finalize the insurance policy on your pieces of jewelry. Getting an appraisal done by a reputable jeweler such as can help to ensure your jewelry is insured properly.


Updated Appraisals May Be Required


Even if the insurance company you are with doesn’t make you get any updated appraisals, you might want to consider them because they are the best way you can make sure you are insuring your jewelry for what it’s really worth. Vintage and antique collectibles can go in and out of style, which will cause the value to fluctuate. Values of jewelry rarely remain the same; this is why it’s a good idea to get the pieces appraised frequently to ensure their value is correct.




When you own an extensive jewelry collection or just a few sentimental pieces, it’s important to get them appraised frequently to ensure you understand what they are worth. This information is great for those that wish to insure their pieces of jewelry.


Getting your jewelry regularly appraise can help not only prove your insurance claim but allow for a detailed picture about the jewelry you own. This will be beneficial also for any family members you may leave the jewelry to upon your passing. They will know how much it’s worth and where to find them.

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