Frequently Asked Questions

Do I have to send my jewelry to you for an appraisal?

No, we do not appraise jewelry in-house. You can get an appraisal by visiting your jeweler of choice or any other trusted appraiser.

How do I find a professional appraiser?

We recommend visiting the GIA website to find a jeweler that’s GIA certified. You can also ask family and friends who may have a trusted jeweler they would recommend.

How frequently do I need to get an updated appraisal?

We recommend that you visit your jeweler for an updated appraisal every two years, but it’s not required.

The market value of your jewelry changes over time, while the amount you’ve insured it for stays the same if you don’t send us an updated appraisal.

Jewelers Mutual Group specializes in jewelry and understands the jewelry market. If we don’t have a recent appraisal on file, there’s a yearly system in place to help make sure your coverage reflects changes in market values. You might see this listed as "Insurance Value Adjustment" or "IVA" on your policy. It's basically a percentage increase in your coverage limit (and your premium) that's meant to keep you from being underinsured.