Since fine jewelry has both sentimental and financial value—and insurance coverage is recommended to protect your investment in the case of loss, theft, or damage—ensuring that the value of your jewelry is current is very important. Most people think the appraisal you receive when first purchasing your jewelry is the only one you’ll ever need, but because the jewelry markets fluctuates and insurance companies rely on appraisals to determine the amount of insurance coverage they will provide for your jewelry, we recommend having your jewelry appraised every few years. If your appraisal is more than three years old it may be out-of-date and your jewelry could be insured for less than its replacement value. To prevent this from occurring, we are always happy to perform a detailed appraisal of your jewelry.