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https://nelsoncoleman.com/jewelry-appraisals-for-insurance-the-what-why-and-how-often/
Jun 11, 2018 · To have your jewelry insured you need an appraisal. Independent jewelry appraisers record the weight, material, markings, quality and rarity of a gem, and the manufacturing. The appraiser uses this information to determine the current value of your jewelry. That is the value your insurance company will cover.Estimated Reading Time: 3 mins
https://www.gemsociety.org/article/jewelry-and-gemstone-appraisals-for-insurance/
An appraisal is a detailed description of a piece and an assessment of its value based on market research. Insurance providers usually require appraisals for jewelry and gem riders. For each piece, appraisals should give a “retail value,” the replacement value, and a “wholesale value,” the cash or liquidation value.
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