A jewelry appraisal is a document that states how much a particular piece of jewelry is worth. You can get an appraisal by bringing your item to your jeweler of choice or any other trusted appraiser.
If you’re not sure where to get a jewelry appraisal, we recommend the American Gem Society and the National Association of Jewelry Appraisers to see a list of appraisers by state.
We strongly recommend you submit an updated appraisal, evaluation, or detailed receipt when submitting your application. This helps Jewelers Mutual and your jeweler work together more efficiently to find a replacement of the same kind and quality as the original jewelry item.
You will want to keep your jewelry's value (and insured amount) up to date, so we also recommend sending us an updated appraisal every two years or even more frequently as market values can fluctuate greatly for certain jewelry types. Otherwise, if you lose your jewelry and your appraisal value is from five years ago, you might not have enough coverage to replace your item with the same kind and quality.