Insurance and Appraisals
Many home owner and renter insurance policies will automatically cover jewelry up to a certain amount. Typically the coverage is $1,000-$2,000. If your jewelry is over that coverage you may want to get additional jewelry insurance. You may be able to get this through your regular insurance by adding a jewelry "endorsement" or "rider", or you can purchase separate jewelry insurance through a company like Jeweler's Mutual.
You'll want to check with your insurance company to confirm your coverage and find out the deductible. You'll also want to find out what documentation you'll need for an insurance claim. Some insurers require an appraisal for higher valued jewelry, while an invoice or receipt may be all you need for jewelry under a certain value.
If you would like us to include an appraisal with your order, it is available for an additional fee, and can add up to an additional two weeks to the lead time. The appraisal rate starts at $95 and is performed through Northwest Gemological Laboratory.
Our white diamonds over .50ct come with a diamond grading certificate. However, this is different than an appraisal and would not meet an appraisal requirement by an insurer.