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When you have a piece of jewelry that has sentimental value, an appraisal can be invaluable when it comes to insurance, estate planning, or selling your jewelry. Knowing a few key things before you get started can make the process go as smoothly as possible. Here are some things to keep in mind when getting your jewelry appraised.

What are the different types of jewelry appraisals?

There are two main types of appraisals: insurance appraisals and resale appraisals. Insurance appraisals are done to determine how much it would cost to replace a lost, stolen or damaged piece of jewelry. Resale appraisals determine how much a piece of jewelry would command on the open market.

What to do to get your jewelry appraised

To get your jewelry appraised, you will need to find a qualified jeweler or appraiser. Many jewelry stores offer appraisal services, or you can find an independent appraiser through the American Gem Society (AGS) or the National Association of Jewelry Appraisers (NAJA).

How to choose the right jewelry appraiser for your needs

When choosing a jewelry appraiser, it is important to find someone experienced and qualified. Look for an appraiser who is a member of the AGS or NAJA, and ask for references from past clients. It is also a good idea to get more than one appraisal for your jewelry to ensure that you get an accurate value.

What to bring to your jewelry appraisal

When you go for your jewelry appraisal, bring any documentation about the piece, such as a sales receipt, previous appraisals, or diamond certificates. You should also bring the jewelry itself in a clean and secure container.

What is the difference between an appraisal and an evaluation?

An appraisal is a formal document that states the value of your jewelry. An evaluation is a less formal opinion of value and is often given verbally.

What you should expect during the appraisal process

A jewelry appraisal is conducted by a qualified appraiser who will examine your jewelry and assess its value. The appraiser will consider factors, including: 


  • The quality of the materials
  • The artistry
  • Condition of the piece
  • Any sentimental or historical value


The appraisal process will vary depending on the type of appraisal you are getting. However, in general, you can expect the appraiser to examine your jewelry closely, using a variety of tools such as loupes, microscopes, and ultraviolet light.


The appraiser will ask you questions about your jewelry, such as when and where you purchased it, any previous repairs or modifications made, and any special meaning or sentimental value it has for you. The appraiser will then inspect the piece closely, using a jeweler’s loupe or microscope to examine the quality of the diamonds or other stones and the quality of the setting.

What should I do if I disagree with the appraised value of my jewelry?

If you disagree with the appraised value of your jewelry, you may want to get a second opinion from another appraiser. You should also keep in mind that the appraised value is not necessarily the same as the selling price – it is simply an estimate of what your jewelry is worth.

How often should I get my jewelry appraised?

Appraising your jewelry every two to three years or when there are significant changes in its value (such as if you have it repaired or cleaned) is a good idea.

What are the risks of not getting my jewelry appraised?


If you do not have your jewelry appraised, you may not be able to get full value for it if it is lost, stolen, or damaged. Additionally, your insurance company may not cover the replacement cost of your jewelry if you do not have an up-to-date appraisal.

What you can expect to receive from a jewelry appraisal

An appraisal will typically include a formal document that provides an expert opinion of the valuation of the piece’s gemstones, metals, and other materials used, as well as an estimation of its current market value. In addition, the appraiser will often provide a detailed description of the piece, which can help identify it if it is ever lost or stolen. Ultimately, a jewelry appraisal can give you peace of mind by providing an objective assessment of your jewelry’s value. Additionally, the appraisal:

  • Should include detailed pictures and descriptions of the piece
  • List any special features or gemstones

Dover Jewelry & Diamonds: World Class Gem Services ~ GIA Certified Gemologists

As one of the leading fine jewelry re-sellers and consigners of antique, vintage, and unique jewelry, we constantly work with individuals and estates, providing trust and transparency in a timely manner. Contact our Gem Specialist today for a free & confidential evaluation.