Jewellery Valuation

Professional jewelry valuation services can be essential for divorce settlements, estate liquidations, and loan collateral appraisals. Due to market instability, some insurers also mandate that items be revalued every two or three years; investigating discounts for these services would be worthwhile.

Opting for a valuer affiliated with an established organization will give you peace of mind that their valuations remain up-to-date and the results are legally binding.


Authenticity significantly impacts jewelry value, with pieces by renowned designers or brands being more valuable than replicas or fakes. Identifying genuine jewelry can be challenging without expert help, but hallmarks, maker’s marks, and provenance signs are key indicators. However, these can be forged or altered, and their appearance may change over time, reducing reliability.

The style and design also influence value, with preference given to certain materials and items with special meanings or historical significance often being more valuable.

Other factors affecting jewelry value include size, weight, and condition. Scratches, chips, or loose gemstones can lower value. It’s crucial to examine jewelry for any damage and ensure gemstones are securely set.

For accurate authentication, consulting with a jeweler or appraiser is advisable. They can perform visual inspections and at-home tests, like sound tests for pearls, to determine authenticity.

At-home verification methods include checking for signatures, assessing weight, and examining metal for wear or oxidation, which can devalue the piece. Certificates of authenticity from reputable jewelers are also valuable for confirming a piece’s worth and making informed decisions.


Valuations can provide valuable protection for jewelry collections against damage, theft, and loss. They are also useful in auction reserves, non-forced sales, family division, divorce property settlement, and estate settlement processes. A professional valuer will inspect your item to provide a monetary figure of its worth, which will consider factors like quality materials/gemstones/craftsmanship as well as overall condition.

Jewelry’s resale value frequently falls short of its retail price due to market dynamics. Presenting past valuations, diamond and gem reports, certificates, and receipts can assist a valuer in determining the resale price. The resale value can vary based on the purchase location of the jewelry. For precise valuation outcomes, it’s advisable to consult an experienced and established jewelry valuer familiar with similar pieces.

When seeking to value jewellery, choose an expert with extensive experience and qualifications in conducting appraisals. Inquire into their credentials and membership of any professional guild or union they belong to; ultimately, find someone you can trust who offers excellent customer service.

Before scheduling an appointment with a valuer, be sure to discuss fees. They may charge a flat or percentage-based fee; in any event, always get a written quote beforehand to prevent surprises in case of a claim.

Valuation experts like TH March can be costly, but their expertise is worth every penny in the long run. By assessing each piece in your collection and ascertaining its precise value, these valuation experts will save time and money in replanning lost or stolen jewelry by clearly stating the costs involved in replacement efforts.

Although sentimental value may be hard to ascertain, it’s vital that jewellery be insured. Without coverage, your beloved item could quickly become stolen or damaged, and you would not be able to replace it.

Insurance Replacement

For those with jewelry collections exceeding homeowner policy limits or seeking extra protection, standalone jewelry insurance is an option. Typically costing 1-2% of an item’s value, these policies are offered by companies specializing in jewelry coverage. They feature clear terms and services like exact replicas for lost items, sometimes offering discounts for securely stored pieces.

Deciding to insure your jewelry depends on its size and value, your location, and your home insurance’s coverage. Jewelry policies are usually cheaper than homeowner policies and often don’t require deductibles. Separate policies from certain insurers offer additional coverage for situations like losses at the beach or in the drain.

When insuring jewelry, consider how the company appraises value. Some use actual cash value (ACV), the market price at loss or damage, while others use replacement cost for a similar quality item.

Choosing an appraiser also involves considering their fees, which can be a flat rate or a percentage of the jewelry’s value. Opt for a reputable, independent jeweler for an honest appraisal, and keep documentation for easy replacement in case of theft or damage.


Jewellery valuation is an expert assessment of its worth by an appraiser or valuer. When making their assessment, these experts consider various factors, including gemstone types and quality, metal purity levels, craftsmanship quality, design details, and history.

An insurance valuation report for your jewellery is crucial in case of theft or loss, serving as proof of ownership and detailing its design and characteristics. It enables precise compensation claims if something happens and provides proof when selling. Selecting an experienced and qualified appraiser is vital; for optimal results, choose a National Association of Jewellers (NAJ) Registered Valuer, who follows strict rules and guidelines during valuations.

Valuing jewellery regularly is critical to ensuring its correct insurance coverage and market value. Furthermore, valuation services allow you to update the valuation as your piece may change over time.

For accurate jewellery valuations, in-person assessments are essential. Valuations based solely on photographs have become more common but lack precision. Critical details requiring 10x magnification, such as grading or inscriptions, are not visible in photos. Consequently, such appraisals frequently fail to comply with insurance standards, leading some insurers to reject them for value estimation.

Once your jewellery valuation is completed, you will receive a copy to give to your insurance provider and keep a copy for yourself in case it gets misplaced or stolen. Furthermore, this document can serve as a great resource when purchasing jewellery in future or making repairs on existing pieces.