How often should jewelry be appraised?

Jewelry should typically be appraised every two to five years, depending on market volatility and the item’s importance. Rapid changes in gold, platinum, and diamond prices can make older appraisals inaccurate for insurance coverage. 

Re‑appraise sooner if you significantly alter the piece (resetting, resizing, replacing stones) or if you add riders to a homeowner’s policy. High‑value or branded items (designer, antique, signed pieces) benefit from more frequent reviews to reflect changing collector demand. After a major life event—marriage, divorce, inheritance, or relocation—updating appraisals helps with planning and documentation. Keep prior reports so your appraiser can compare and update efficiently.

Learn more about our jewelry appraisals.