Jewelry Insurance Appraisals

If you are in the market for a jewelry insurance appraisal, Heritage Appraisers, Inc may be the right fit for you. As premier independent jewelry insurance appraisers, we highly recommend the following services to make sure that you  are taking the correct steps for a proper insurance appraisal :

  • Jewelry should be appraised for insurance purposes by a graduate gemologist.  All of our appraisers are graduate gemologists of The Gemological Institute of America, making us well-qualified to perform insurance appraisals on all types of jewelry.
  • The jewelry insurance appraisal will provide the insurance company and the client with a detailed description of the item to be insured.
  • The jewelry insurance appraisal will have details of the gemstones – their quantity, size, color and clarity.

Our Insurance appraisal will provide:

  • A detailed description of the item with photos taken at the time of the evaluation
  • Size, color, clarity and quantity of the diamonds and gemstones appraised
  • Weight and type of metals, manufacturing and assembly of jewelry items
  • Our insurance appraisals include the type of metal, and the manufacturing and assembly process of the items being appraised.
  • The information will help guarantee that in the event of a loss, the customer can be made whole.
  • Photos and weights will aid in either locating an identical item or having the items(s) recreated.

Some clients are advised that they do not need to have items appraised, either based on a dollar amount or by retaining the original sales slip. This is not an acceptable practice by most insurance company standards; a sales slip can only attest to the price paid.  Clients who retain a insurance rider, should maintain a qualified  insurance appraisal to serve as proof of ownership and provide a current, acceptable replacement value.

To prepare your comprehensive, professional appraisal report, Heritage Appraisers, Inc.  will

  • Request the jewelry be cleaned by professional store personnel
  • Ask the client for the purpose of the appraisal to be performed
  • Inspect the jewelry
  • Advise you of their inspection findings and recommendations
  • Perform the appraisal and document data
  • Prepare the appraisal
  • Review the appraisal with the client in full detail.
  • Explain the cover letter, limiting conditions, and the appraisal documents.
  • Review the NAJA Certification of Appraisal Practices
  • Review The NAJA Client’s Bill of Rights.
  • Ask the client if there are any additional questions or concerns

If your appraisal is for insurance purposes, we will recommend that you have your appraisal updated every three to five years.

Heritage Appraisers, Inc. will send you a reminder when it is time for the update. Because clients move or relocate to other locations using the same appraiser to update their original appraisal, is not always possible to keep in contact.

Heritage Appraisers is currently providing their appraisal services in many national locations. Please visit our Appraisal Locations section.

Prepare for your insurance appraisal appointment

Insurance appraisals for jewelry are generally delivered the same day of the appointment unless there are items that need additional research to complete a comprehensive document.

Clients should bring any documents they may have on the items being appraised, such as a:

  • Previously prepared Certification of the jewelry items.A Certification is a prepared document which provides accurate information on the jewelry prior to its current assembly. It may include information on the diamonds or gemstones as weighed, measured and graded outside of the current mounting.
  • Previous appraisals performed on the jewelryWe will only consider previous appraisals performed by a graduate gemologist
  • ProvenanceProvenance is the history, chain of custody, etc. which aids in the evaluation of items being appraised.

Jewelry Insurance Appraisal Fees

Fees are based on the time and expertise required by the professional appraiser.  Jewelry will be categorized by type to offer fair pricing.  Ask your professional appraiser for special pricing or get a quote online (link?) today for multiple jewelry appraisal pricing.

Upon inspection, Heritage Appraisers. Inc professionals will point out any defects in the items being appraised and recommend appropriate repairs.

Jewelry Insurance Appraisal Confidentiality

Because all of our jewelry appraisals are confidential, any correspondence with regards to the appraisals must be done in writing (not e-mail). We will only release information with written authorizations or signed releases. All appraisals come with:

  • A cover letter stating the confidentiality
  • A limiting conditions statement describing the conditions that may affect the weight quality of the jewelry being appraised
  • NAJA Certification of Appraisal Practices
  • NAJA Clients Bill of Rights

Insurance appraisals should be updated every three to five years.   Heritage Appraisers, Inc.  will contact you either by e-mail or postcard when it is time to have your appraisals updated. Fees are based on the number of items presented at the time of the appraisal.

We also offer jewelry liquidation appraisals as a part of our appraisal services.

Find out more about our insurance appraisals by choosing where to get jewelry appraised from one of our 50 locations.


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