Why should I get a jewelry appraisal?
Education & Expertise
A professional jewelry appraiser must have formal training in geology and jewelry construction. Many appraisers earn credentials such as the Graduate Gemologist (GG) diploma from the Gemological Institute of America (GIA), which covers gemstone identification, grading, and valuation. In addition to classroom learning, appraisers gain hands-on experience through apprenticeships or work in jewelry stores and auction houses, where they learn to evaluate pieces using specialized tools and understand market trends and craftsmanship.
Certification & Professional Standards
To ensure accuracy and credibility, qualified appraisers often hold certifications from respected organizations like the National Association of Jewelry Appraisers (NAJA), American Society of Appraisers (ASA), or the International Society of Appraisers (ISA). These programs require rigorous coursework, exams, and sample appraisals. Certified appraisers follow strict ethical guidelines and valuation standards, providing clients with unbiased, legally sound reports.
Skills & Ongoing Education
Successful appraisers combine technical knowledge with strong analytical skills and attention to detail. They must be able to spot treatments, synthetics, and subtle craftsmanship nuances. Because the jewelry market is constantly evolving, continuing education is essential— appraisers regularly attend workshops and stay updated on the latest trends, gem treatments, and valuation techniques.
Frequently asked questions
Top Reasons to Appraise Your Jewelry
1. Insurance Protection
Ensures your jewelry is properly insured against loss, theft, or damage.
Provides documentation for replacement value, which is essential for claims.
2. Estate Planning & Legal Purposes
Helps fairly divide assets among heirs.
Required for probate and tax reporting.
Establishes Fair Market Value (FMV) for legal and financial clarity.
3. Verifying Authenticity
Confirms the quality and origin of gemstones and metals.
Especially important for vintage, antique, or designer pieces.
4. Peace of Mind
Knowing the true value of your jewelry offers confidence and security.
Great for cataloging and tracking your collection over time.
Does my homeowner’s insurance cover jewelry?
Not always. Most policies offer limited coverage unless you add a jewelry floater or schedule the item separately. An appraisal is usually required to do this.
How often should I get my jewelry appraised?
Experts recommend updating appraisals every 3 to 5 years, especially when market conditions change or if the piece has been altered (e.g., resetting a stone).
Can I use the appraisal from the original receipts?
Not always. Seller-provided documents may lack detail or objectivity. A third-party certified appraisal is more reliable for insurance or resale purposes. Most insurance companies require an appraisal from a certified appraiser.