Our GIA Graduate Gemologist offers prompt, precise jewelry appraisals for insurance, estate planning, and resale. Serving Sandy Springs and the greater Atlanta area, we provide same-day evaluations you can rely on.

What to Expect During a Jewelry Appraisal

Initial Consultation

Your appraisal begins with a friendly conversation about your needs. We'll help you understand your goals — whether that's insurance coverage, resale, or estate planning — so we can deliver the most useful evaluation for your situation.

Detailed Examination

Our GIA Graduate Gemologist will carefully inspect your jewelry, evaluating its materials, craftsmanship, and condition. Using professional tools like magnifying loupes, precision scales, and microscopes, we document every detail that can influence its value.

Market Research

We compare your piece to similar items in today's market, factoring in current trends to determine its true worth. This step ensures your appraisal is accurate, reliable, and up to date.

Documentation

You'll receive a complete written report with photos, detailed descriptions, and our gemologist's credentials — everything your insurance carrier or estate attorney needs to accept it with confidence. We email your report the same day, or by the next business day at the latest.

Understanding Jewelry Appraisal Values

Appraisal values vary depending on the purpose of the appraisal:

Retail Replacement Value — the cost to replace your jewelry with a comparable item purchased from a retail store. This is the figure most insurance companies require for scheduled personal property coverage.

Fair Market Value — the price a willing buyer would pay a willing seller in an open market. Commonly used for estate planning, charitable donations, or resale.

Looking to put gold jewelry you don't wear toward something new instead of an appraisal? That's a separate, in-person gold trade-in evaluation, not an appraisal.

Insurance Appraisals for Your Jewelry

An accurate insurance appraisal is the single most important document you can have for a valuable piece of jewelry. Without one, your homeowner's or renter's policy may only reimburse a fraction of what your piece is actually worth.

Scheduled Personal Property Coverage

Most standard homeowner's policies have a sublimit — often $1,000–$2,500 — for jewelry theft or loss. Adding a jewelry rider (also called a floater or scheduled personal property endorsement) covers the full appraised replacement value with no deductible, and often covers mysterious disappearance. Your insurance company will require a written appraisal from a qualified gemologist before issuing that rider.

Replacement Cost Value vs. Actual Cash Value

Insurance policies pay out either Replacement Cost Value (RCV) or Actual Cash Value (ACV). RCV pays what it costs to replace the item new; ACV deducts depreciation. For fine jewelry you almost always want an RCV policy backed by a current retail replacement appraisal — exactly what our GIA Graduate Gemologist provides.

Carrier Acceptance

Our appraisal documents are prepared by a GIA Graduate Gemologist and include full gemological descriptions, photographs, and professional credentials. These reports meet the documentation standards required by major carriers including Chubb, Jewelers Mutual, State Farm, and most other homeowner's insurers operating in Georgia.

When to Update Your Appraisal

Jewelry markets shift, and an appraisal more than two to three years old may no longer reflect current replacement costs — especially for diamond and colored stone pieces. We recommend reviewing your appraisal every two to three years, or after any significant market movement.

Preparing for Your Appraisal

Bring documentation — previous appraisals, receipts, or grading reports from GIA or IGI can speed up the process and improve accuracy. If you don't have a report yet, we can help you get one for your stone.

Share the story — any history or origin details add context, and can be documented alongside the appraisal for estate or insurance purposes.

Clean your jewelry — a clean piece lets our gemologist see every facet and inclusion clearly. We're happy to clean it in-store before the examination at no extra charge.

Same-Day Appraisals in Sandy Springs

At Farsi Jewelers you can have your jewelry appraised quickly and accurately by a GIA Graduate Gemologist — no shipping, no waiting, no uncertainty. We're at 6128 Roswell Rd in Sandy Springs, serving the greater Atlanta area. We examine most pieces on-site the same day, so you never have to leave your jewelry behind, and we email your written report the same day or by the next business day.

Frequently Asked Questions

Looking for more answers? Visit our full FAQ page.