Insurance
Insurance Appraisals
Protect what you own at the right value.
Independent replacement-value appraisals accepted by every major carrier. Accurate documentation that keeps your premiums fair and settles claims cleanly when something goes wrong.
Most single-item appraisals complete within one to two weeks.
Who it's for
Engagement ring and bridal jewelry owners scheduling new policies.
Collectors with significant pieces requiring scheduled-jewelry riders.
Anyone whose existing appraisal is older than five years (values move).
Watch owners adding Rolex, Patek Philippe, Cartier, or other prestige timepieces to coverage.
Heirs receiving inherited jewelry that needs to be added to a new household policy.
What we deliver
Carrier-ready insurance documentation
Built to the standard every major carrier requires for scheduled-jewelry coverage.
Replacement-value methodology — what it would cost to replace your piece today, not what you paid.
Detailed gemological report with weight, shape, cut, color, clarity, and treatment status.
Enlarged digital color photography of the piece and any significant stones.
Photomicrographs of inclusions and identifying characteristics, suitable for claim recovery.
Cut and proportion analysis for diamonds; light-performance scan for loose stones.
Signed by David Wolf, Retired MGA® GG — accepted by every carrier we've worked with.
Why our values stay competitive
Inflated appraisals create inflated premiums. Our values reflect the real replacement market — not retail markup — so you don't pay for protection you don't need, while still receiving full settlement in the unlikely event of a loss.
Methodology
We grade and measure every piece on calibrated gemological equipment — at our Sedona lab in person, or remotely via guided video consultation when the engagement allows. Diamonds and colored stones are scanned on our advanced proportion analyzer for cut and light performance. Watches are verified against reference, serial, and movement before condition grading. Replacement values are sourced from current wholesale and replacement-channel data, not historical retail. Every report includes the definition of value used, the methodology applied, and instructions for how the document should be used by your carrier. The result is a document that holds up at policy renewal and at claim time.
Common questions
How often should an insurance appraisal be updated?
Every 3–5 years. Replacement costs drift with markets, and carriers may require an updated valuation at policy renewal.
Will my carrier accept your appraisal?
Yes. We've been preferred by Chubb Insurance, with documentation accepted by AIG, Jewelers Mutual, Pure, and every major carrier we've worked with.
Do I need separate appraisals for each piece?
Each scheduled item requires its own valuation. We can examine and document multiple pieces in a single appointment.
Pieces we appraise
Common items for this service
Protect what you value
with an independent appraisal.
For insurance, estates, heirlooms, and fine jewelry, we provide appraisals you can rely on.