Why You Need a Jewelry Appraisal – And How Everglow Jewelry Makes It Simple
Jewelry is more than beautiful—it's valuable, meaningful, and often irreplaceable. Whether it's a custom engagement ring, a family heirloom, or a fine gold necklace, protecting your jewelry begins with having a professional appraisal.
At Everglow Jewelry, we provide accurate, expert jewelry appraisals done on-site by a certified gemologist appraiser, with a quick turnaround and no need to leave your piece behind.
Here’s everything you need to know about jewelry appraisals, insurance, and how to keep your most treasured pieces protected for years to come.
What Is a Jewelry Appraisal?
A jewelry appraisal is a detailed report that assesses the value of your jewelry based on its materials, craftsmanship, gemstone quality, and current market conditions. Appraisals are essential for insurance purposes, estate planning, resale, or peace of mind.
The appraisal includes:
A full description of the piece (metal type, gemstone specs, condition)
High-resolution photos
A calculated replacement value
Your name and information (for insurance companies)
On-Site Jewelry Appraisals at Everglow Jewelry
At Everglow Jewelry, we make the appraisal process efficient, secure, and stress-free.
Here’s how it works:
Appraisals are done by our in-house certified gemologist appraiser
The entire appointment takes about 15–20 minutes per item
You keep your jewelry with you—there’s no need to drop it off
After your visit, the appraiser completes the formal report within a few business days
You receive a detailed appraisal document, ready to submit to your insurance provider
Whether you have one ring or several items, we provide clear, reliable service with expert attention to detail.
Why Jewelry Appraisals Are Important
Even if your jewelry is safely tucked away, unexpected events like theft, fire, or loss can happen. An up-to-date appraisal ensures that if something does go wrong, you’ll be able to replace it for its true value.
Common reasons to get your jewelry appraised:
Insurance coverage
Estate division or legal documentation
Selling or upgrading a piece
Peace of mind for family heirlooms
Post-repair valuation
How Often Should You Get Jewelry Appraised?
Jewelry values can change due to market fluctuations in gold, diamonds, and gemstones. For insurance purposes, it's recommended to update your appraisal every 3 to 5 years, or sooner if:
You’ve had the piece repaired or redesigned
You’ve noticed a significant change in market values
You’re switching or renewing your jewelry insurance
Where Do You Insure Your Jewelry?
Many people are surprised to learn that homeowners insurance policies typically offer limited jewelry coverage, often only around $1,000 to $2,500 per item—nowhere near the value of most engagement rings or heirloom pieces.
Instead, consider specialized jewelry insurance through trusted providers:
These companies offer:
Full-value replacement
Worldwide coverage
Coverage for loss, theft, damage, and mysterious disappearance
Low or no deductibles
Easy online application with appraisal upload
Everglow Jewelry works with all major jewelry insurance providers and can assist you in submitting the necessary documentation.
What Jewelry Should You Insure?
Not every item needs to be insured, but some should absolutely be protected.
Jewelry to insure:
Engagement rings
Wedding bands
Family heirlooms
Luxury watches
High-value gold chains or diamond earrings
Jewelry that may not need insurance:
Fashion jewelry or silver pieces under $500
Items without high material value or sentiment
If you're not sure, we’re happy to help you decide what’s worth appraising and covering.
What If You Need to File a Claim?
If your jewelry is lost or damaged, Everglow Jewelry is here to help.
We work with your insurance adjuster or agent directly
We can recreate lost pieces using original photos or design notes
We offer jewelry repair for damage-related claims
Our on-site jewelry repair specialists can restore worn or broken items to their original beauty
Getting an accurate appraisal before the worst happens can make the claims process smooth, fast, and stress-free.
Preventing Loss Before It Happens
One of the best ways to protect your jewelry is through regular inspection and cleaning. At Everglow Jewelry, we recommend visiting us at least once or twice a year for:
Free cleaning and polishing
Prong and setting inspection (to prevent stones from falling out)
Clasp and chain checks
Stone tightening
Routine care helps prevent unexpected damage or loss—and keeps your jewelry sparkling like new.
Why Choose Everglow Jewelry for Appraisals?
On-site certified gemologist appraiser
No drop-off required—you stay with your jewelry
Quick 15–20 minute appointments
Formal documentation ready in just a few days
Trusted by Tampa-area clients for honesty and expertise
Whether you’re insuring a new engagement ring, updating an old appraisal, or preparing an estate inventory, Everglow Jewelry makes the process simple, secure, and personalized.
Schedule Your Jewelry Appraisal in Tampa
Protect what matters most with an accurate, up-to-date appraisal from Everglow Jewelry in Tampa Palms. Contact us today to book an appointment or stop in to learn more about appraisals, inspections, and expert repairs.
Let us help you protect the jewelry you love.
