I already have an appraisal from the store where I purchased my jewelry....why would I need  another appraisal?

 

A free appraisal received from the jewelry store is really nothing more than a "documentation of purchase", also known as an "estimate to replace".  They are frequently not accepted by insurance companies as they lack critical information, such as a detailed description of the jewelry, gem identification, color, clarity and weight of gemstones, photographs, metal testing, as well as the actual replacement value.  These documents commonly have inflated valuations, making them nothing more than a marketing tool. 
It is always advisable to have a "second opinion" from a qualified unbiased source to confirm the quality and value of your jewelry. This will help you avoid paying excessive insurance premiums and help ensure your jewelry is replaced with a comparable item if you should incur a loss.

 

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