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Jewelry Appraisals

Insurance and estate appraisals are drafted by Benjamin Bowers, Graduate Jeweler Gemologist of the Gemological Institute of America. His depth of experience and knowledge of jewelry and the jewelry industry are far-reaching. An appraisal from Bowers Jewelry will be fair and honest and include all details of your items. We can discuss your appraisal with you to answer any questions or concerns you may have.

Types of Appraisals

An appraisal from Bowers Jewelry will be fair and honest and include all details of your items. Bowers Jewelry offers three types of appraisals to meet our clients' specific appraisal needs: insurance appraisal, estate appraisal, and fair market value appraisal.

Insurance appraisal

 Establishes the retail replacement value of your jewelry item. This replacement value is the dollar amount of insurance coverage we recommend carrying on a given item. The replacement value does not establish a price for which you could expect to sell the item.

Estate Appraisal

Establishes a baseline cash equivalency value of any given jewelry item that most accurately represents a real monetary exchange for the purpose of paying estate taxes as a component of one’s total estate holdings. Typically, these values are predicated on a willing buyer, a willing seller, and a term of divestment not to exceed 6 months. Also, please refer to IRS statues.

Fair Market Value Appraisal


An opinion of the price at which property would change hands between a willing buyer and willing seller, neither being under any compulsion to buy or sell and both having reasonable knowledge of all relevant facts in the most common market in which such goods are sold. Ultimate selling price would be predicated on the seller’s due diligence, methods of divestment, and economic trends.

Pricing for Appraisals

Prices on appraisals vary by number of items, number of stones and details to be evaluated, and the time required to research specialty items. The normal turn-around time for a written appraisal is one week, but express service can often be set up in advance. Please feel free to contact us for details at 574-269-2001, or bring your items in for a pre-appraisal estimate.