What Appraised Values Represent

The safe way to sell your diamonds, gold, and watches

What Appraised Values Represent

An appraised value for insurance is an estimate of the retail replacement price. It covers the cost of making the exact duplicate of your items, including both the wholesaler's and the retailer's profits. An appraised value is not the amount you would receive if you sold the items. In fact, an insurance value is usually significantly higher than the actual cash value. Appraisals frequently ignore the condition, age and marketability of the items. This is especially true in the case of jewelry appraisals.

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