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Why Have a Jewelry Appraisal?

National Estate Jewelers provides jewelry appraisals in our East Brunswick store. In fact, many clients listen to my show, “What’s It Worth?” Tuesday mornings on WCTC radio. As a graduate gemologist, I examine the piece of jewelry in order to determine its estimated value, at a specific point in time. Then, a written statement - a jewelry appraisal, is provided in the event the piece is lost, stolen or damaged.


An appraisal varies in time, based upon the condition of the piece. A written appraisal can be mailed or picked up in our East Brunswick store.


There are certain factors evaluated when a jewelry appraisal is conducted:


  • The weight of precious metals

  • Description of diamonds and/or gemstones (4C’s)

  • Style

  • Origin


Types of Appraisals offered at National Estate Jewelers


Hopefully, you have not lost jewelry. However, if you did, I hope you had an appraisal, recent review of the appraisal and jewelry insurance. The number one reason to have a jewelry appraisal is for insurance purposes. Diamonds, gemstones and metals have fluctuated throughout the years. A higher/lower appraisal will determine the cost to insure, as well as providing financial protection due to theft, damage or lost jewelry. Homeowner’s or Renter’s insurance only covers items up to a certain dollar amount -typically $1000, which is usually not enough for most jewelry, without a jewelry rider. A rider to your policy or a separate policy is always recommended. A sales receipt may not be acceptable as an appraisal. Check with your insurance company. An appraisal should be reviewed every 2-5 few years, to prevent being underinsured or overcharged for insurance coverage, more often with dramatic precious metal price changes.


Additional reasons to have a professional appraisal include:

  • Liquidation: For those who need money immediately.

  • Collateral: Your jewelry has loan power.

  • Fair Market Value: Used for tax purposes, donations and estate tax purposes.

  • Keep track of an Heirloom’s value, especially when handing it down to a family member or friend. Vintage and antique pieces fluctuate in value.

  • Used in divorce settlements.


Where is a Jewelry Appraisal done at National Estate Jewelers?


We appraise jewelry in private rooms - no nosy onlookers overhearing your conversation. While no appointment is necessary, one is recommended to reserve a private room and set aside the proper amount of time you deserve.


We use standard equipment to appraise jewelry. We use gold testing solutions, microscopes, diamond color master sets and UV lights for our appraisals. Tools used during evaluations include 10x - 20x Loupes, Precious Metal Test Kit with Gold & Platinum Testing Solution and Slate, Leverage Gauge, Diamond Color Masters Set, Spread Gauge, Diamond Tester, Gem Scope, and Scales Calibrated and Certified by the New Jersey Department of Weights and Measures


At National Estate Jewelers, we have Graduate Gemologists on staff who can appraise your jewelry. We are fully bonded, insured and proud members of the American Society of Appraisers (ASA), Appraisals Association of America, GIA Alumni Association, National Association of Jewelry Appraisers, etc. Check out our stellar reviews and website. Our fee for a jewelry appraisal is $150 an hour.


Protect your valuables! Call 732.257.GOLD and schedule an appointment today. National Estate Jewelers is conveniently located at 212 NJ-18 in East Brunswick, next to the FedEx office. Unable to come to East Brunswick? Appraisals are available in many areas, right in your home or office. Just call and schedule an appointment.

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