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Jewelry Appraisal Tips

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Jewelry Appraisal Tips

At the time of this recording, Valentine’s Day is just one day away. Millions of people across the country will celebrate the love their have for their family or significant other through gifts such as traditional candy hearts & roses, and jewelry.

The cost of precious gems & metals have steadily increased over the last 10 years. Currently, gold is valued at $1,574.05/oz, platinum is valued at $973.50/oz, silver is valued at $17.50/oz, while diamonds (depending on the cut/clarity/color) are valued at anywhere from $3,000-$6,000 a carat.

With this in mind, you should consider getting appraisals on your precious jewelry if the approximate value is above $1,000. Many insurance carriers will require a current appraisal (done within the previous 3 years) for jewelry scheduled for more than $1,500. Here are some tips to help you with those appraisals from Beyond 4Cs, a website dedicated to help others in understanding diamond grading/appraisals.
1) Use a certified gemologist or appraiser. These people have gone through much education to value jewelry/gems and are required to update their certification regularly to keep up with new jewelry/gem appraisal techniques & requirements.

2) Get an appraisal certificate. Most reputable appraisal outfits provide an official certificate of appraisal for the piece of jewelry in question that includes all the information about the piece, a photo of the piece, and the current value which is signed by the appraiser. You may pay a document fee in addition to the appraisal fee, so find an appraiser that incudes the document at no extra charge.

3) Bring all your documentation. Bring your original bill of sale and warranty info (if available), prior appraisals, any historical information that may be helpful in the appraisal (think “heirloom jewelry”)

4) Be sure you ask questions. You should ask questions before the appraisal so you can better understand the appraiser/appraisal process. The article has several questions that can be helpful.

If you’re giving a loved one a piece of jewelry for Valentine’s Day or have jewelry in your collection you think might be worth some money, make sure you get a proper appraisal and schedule it on your policy. Be sure to read the full article from Beyond 4Cs for more tips and questions to ask an appraiser!

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized

Valentine’s Day Tips

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(Photo courtesy StockVault.net)

 

Valentine’s Day Tips

Of course February is American Heart Month, most-likely because of Valentine’s Day – the holiday where we share candy hearts & other gifts to show others how much we love & appreciate them throughout the year. We found this article from the folks at SymptomFind with tips on how to make the day special with some healthiness thrown in for good measure:

– Limit the Sweets. Instead of going for the traditional heart-shaped box of candy & chocolates, opt instead for chocolate dipped fruit, nuts, or pretzel rods. Make your own & use dark chocolate for some additional health benefits.

– Do Something. Walk around an art gallery or museum. Take a walk through a local park. Have a picnic outdoors (or indoors if its chilly outside). Do something that keeps you and your significant other active.

– Be the Chef. Prepare a special meal at home rather than go out to a crowded/noisy restaurant. At home you can control the portions and the salt going into the meal.

– Help Someone Else. Take time to volunteer at a local outreach center, visit an assisted living facility, spread your love to others in need.

– Don’t Stress. The holiday is meant to be a reminder of the love you have for your significant other & family. Don’t stress out about making the holiday a grand affair, keep it simple & memorable.

Be sure to check out the full articlestockvault-valentine-039-s-day-chocolates218184.jpg for many more tips on making this Valentine’s Day special and healthy! And don’t forget about our furry friends, the ASPCA has an article on how to keep your pets safe on Valentine’s Day…

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized