Jewelry Appraisals & Insurance

Protect your precious treasures with proper documentation and jewelry insurance.

We recommend that you protect your valuable investment with proper documentation and insurance.


Have your jewelry professionally appraised by a graduate gemologist.  Most insurance companies require a current appraisal no more than 3-5 years old.  We offer a price break for appraising more than one item at a time.  Spectrum Fine Jewelry uses an independent appraiser and all items are fully insured while in our possession.  Other services include diamond grading and gemstone identification.

Legacy Reports

Consider documenting your fine jewelry collection for estate purposes.  We will examine and photograph your jewelry and create a descriptive list of your jewelry.  This is not an appraisal but an inventory.  It is a great companion document to your appraisals as you can list items that may be important to you and your family but might have lower intrinsic values.  Consider including any unique history or stories that might pertain to these items.  Legacy reports are prepared on an hourly basis with a minimum charge of $250.

Jewelry Insurance

We recommend you insure your fine jewelry with Jewelers Mutual. It’s the same company that we depend on to protect our assets at the store. Why lump your fine jewelry in with your homeowners insurance?

With Jewelers Mutual you have the support of a company with a long history of focusing exclusively on the fine jewelry industry. They understand best how to replace your one of a kind jewelry and diamonds. They won’t make you wait for months while their replacement centers attempt to replicate or replace your item. Jewelers Mutual will direct you to select the jeweler you trust and feel most comfortable with for your jewelry insurance replacement needs. We don’t sell insurance but we do recommend our collectors contact Jewelers Mutual for their insurance needs.