Jewelry Insurance Appraisals


Why should I get my jewelry appraised?


A certified gems and jewelry appraiser using the latest “state-of-the-art” methods and precision laboratory equipment will perform an appraisal report.

Considerations made in the determinations of dollar value include:

  • Weight
  • Clarity
  • Color
  • Saturation
  • Tone
  • Quality of cut
  • Gemstone desirability
  • Designer/artist/manufacturer
  • Trademark
  • Hallmark
  • Type of manufacturing
  • Quality of craftmanship
  • Design
  • Physical condition
  • Repairs needed or performed
  • Supply and demand
  • Present economic condition of the local market

* You will receive 2 copies of the appraisal report, one to keep and the other to submit to your insurance company. All values are based upon the metals quote as of the date of appraisal.


The object of an insurance appraisal is to establish an accurate insurance position and provide sufficient support in the even of loss, damage or repair.

Most insurance policies contain an option, which will allow the insurance company to replace your lost or damaged gems or jewelry with "similar" items. Therefore, the more descriptive the appraisal, the more certain you are of receiving proper replacements. For your own protection, the gemological appraisal should virtually fingerprint your gem(s) and jewelry. It should include your stones cut, color, clarity, weight and positions of identifying characteristics. Precious metals should be identified and weighed. This type of descriptive appraisal will reinforce your protection and will make sure you are covered for truly similar gems and jewelry. An explicit accurate description is as important for your protection as is the estimated retail replacement value.


Standard jewelry, such as: gold rings, bracelets and necklaces start at $75.00 each additional piece is $45.00. Jewelry with diamonds 1.00 carat or larger start at $100.00.

* Pricing subject to change at any time without prior notice.
* We also appraise for estate and/or settlement value.


Machine engraving flat rates:

Hand engraving starts at $80.00

Ring engraving

The shank width must be at least 2mm wide to engrave

Round or circular objects may require and additional set up fee

Odd shape items will be considered

No glass engraving

Custom design

We have a team of design experts that will help you create your very own piece.


Wax mold and Casts

Computer Aided and Design programs

We buy gold

DLLR #2150

Golden Renaissance Jeweler provides custom jewelry design, engraving, jewelry appraisals buys, sells, trades womens and mens jewelry, unwanted gold, silver, bracelets, pins, pendants, jewelpops, necklaces, earrings, pearls, watches, wedding bands, cufflinks, bracelets, keychains, money clips, pendants, rings, knives, pens, writing instruments and provides custom jewelry design, engraving and jewelry appraisals in Southern MD Waldorf area and services Charles County, St. Marys County and Calvert County MD.