Jewelry Gist: Appraising And Insuring Fine Jewelry

Understanding and insuring the appraised worth of a fine jewelry collection are important steps in protecting valued treasures. Some may be surprised to learn that a homeowner 's policy will not necessarily offer full coverage for a piece of jewelry, such as an engagement ring or beloved heirloom. And before searching out appropriate insurance coverage, a professional appraisal may be needed to render the most accurate value of jewelry pieces.

The Difference Between Appraisals and Lab Certificates. Both an appraisal and lab certificate reports provide important jewelry and gemstone information, but they actually serve separate purposes.

Lab certificates, or grading reports, indicate the value of an unmounted gemstone. These reports examine details regarding color and clarity, carat weight, cut and shape. A report for a gemstone or diamond does not typically change unless the stone undergoes an alteration, such as mounting.

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