If you want to insure your jewelry and watches, you need to know what they’re worth. During an appraisal, a certified gemologist or appraisal expert will inspect your jewelry, diamonds, gemstones, and watches while you wait. They’ll take into account:
• Current competitive retail prices
• Brand names, serial numbers, model numbers (for watches), identifying manufacturer’s marks on diamonds
• The karatage for gold; the stamping of the percentage on platinum
• The metal of prongs and mountings
• For diamonds and gemstones, the appraiser will evaluate the 4Cs (cut, color, clarity and carat weight)