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INSURANCE APPRAISALS

An insurance appraisal documents the replacement value of your jewelry — essential for scheduling pieces on your homeowner's or renter's policy.

Bravo Jewellers

INSURANCE APPRAISALS

An insurance appraisal documents the replacement value of your jewelry — essential for scheduling pieces on your homeowner's or renter's policy.

Family Owned
Third-Generation
Crafted In-House
Personal Service

YOUR JEWELRY IS IN GOOD HANDS

EXPERIENCED CRAFTSMANSHIP

GUARANTEED QUALITY

SECURE HANDLING

PERSONAL SERVICE

INSURANCE APPRAISALSQUESTIONS

HOW OFTEN SHOULD
I UPDATE MY APPRAISAL?

Every 2-3 years, or after any major market shift in diamond or precious metal prices. An outdated appraisal means your insurance payout won't cover full replacement. We offer re-appraisals at a reduced rate for existing clients.

Every 2-3 years, or after any major market shift in diamond or precious metal prices. An outdated appraisal means your insurance payout won't cover full replacement. We offer re-appraisals at a reduced rate for existing clients.

IS THE APPRAISAL VALUE
THE SAME AS RESALE VALUE?

No — insurance replacement value (retail replacement) is typically 2-3x higher than resale (what you'd get selling it). Insurance appraisals reflect what it costs to replace, not what it's worth on the market.

No — insurance replacement value (retail replacement) is typically 2-3x higher than resale (what you'd get selling it). Insurance appraisals reflect what it costs to replace, not what it's worth on the market.

HOW LONG
DOES AN APPRAISAL TAKE?

Simple pieces (one stone, straightforward setting): 30-45 minutes. Complex pieces with multiple stones, vintage construction, or signed maker's marks: 60-90 minutes. We schedule appointments so you know how long to plan for.

Simple pieces (one stone, straightforward setting): 30-45 minutes. Complex pieces with multiple stones, vintage construction, or signed maker's marks: 60-90 minutes. We schedule appointments so you know how long to plan for.

INSURANCE APPRAISALS

The document your insurance carrier needs.

An insurance appraisal documents the replacement value of your jewelry — what it would cost to replace the piece with a like-kind-and-quality substitute at today\'s retail prices. Our written report includes photographs, metal weight and composition, stone grades, quality descriptions, and our GIA-certified gemologist\'s replacement value assessment. All major jewelry insurance carriers (Jewelers Mutual, Lavalier, JIBNA) accept our reports.

WHAT'S INCLUDED

Insure With Confidence

  • Written replacement value document
  • Full item description & photograph
  • Metal type, weight & purity
  • Stone count, size & quality grade
  • GIA-certified gemologist signature
  • PDF copy emailed to you

BookAppointment

Your perfect ring starts here. Book an appointment for expert guidance, personalized service, and a stress-free experience

In-store jewelry consultation at Bravo Jewellers
Bravo Jewellers storefront
In-store jewelry consultation at Bravo Jewellers

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