There are many reasons to have Jewelry Appraisals by a trained jewelry professional, such as insurance, damage, estate planning, liquidation, pre-nuptial, litigation, donation, collateral and more.

Here is some good advice from Jewelers Mutual Insurance (JMI):

The Importance of Jewelry Appraisals for Insurance

Any time you insure something, you need proof of the item’s value and characteristics in order to replace it, whether with a same kind and quality equivalent or cash.

In the case of jewelry, if you have an inaccurate appraisal, you may not recover enough funds from an insurance claim to actually replace your piece at fair market prices.

If you have an incomplete appraisal, what you know to be your cherished jewelry may not be how the insurer interprets the brief description of your piece.

Either way, you can wind up without an equal replacement for the jewelry you’ve been paying premiums to insure year after year. Kind of defeats the purpose, right?


Rock N Gold Creations (RGC) recommends Jewelers Mutual Insurance (JMI) for fine jewelry insurance and has worked with JMI for 20 years. However, RGC always recommends that it’s best to check with several insurance companies to see what best suits your personal needs. Simon M. of Rock N Gold Creations had been certified by the Gemological Institute of America (GIA). He is trained with 30 years experience and conducts quality jewelry appraisals for all your needs. For inquires, call 858-571-4560 or email:  

Co-owner of Rock N Gold Creations

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