Jewelry Appraisals

Gary Michaels Fine Jewelry is uniquely qualified to appraise your fine jewelry and gemstones. Our experienced staff has the background and gemological training to do a professional job of evaluating the current value of your precious keepsakes.

While these items are priceless to you, it's important to remember that the value of the precious metal and gems that comprise your fine jewelry is constantly changing due to market conditions. Gold, for instance, has seen its value double over the past 10 years.

Accurate appraisals are important because if your jewelry is ever lost, stolen or damaged, your insurance company will refer to the appraisal document to settle the claim. An outdated appraisal will likely result in you being under-insured, and that could cost you thousands.

We recommend updating your appraisals every three to five years. Whether it's an engagement ring you wear every day or a piece you've just inherited from your grandmother's estate, we're ready to offer an appraisal for your security and peace of mind.

Jewelry appraisal and certification establish documented value, authenticity, and condition for fine jewelry in both personal and financial planning. These services protect owners, support transactions, and create reliable records for insurance and legal use. Accuracy depends on trained evaluation, market awareness, and formal reporting standards. In Manalapan, Gary Michaels Fine Jewelry provides on-site appraisal and certification for diamonds, gemstones, and finished jewelry. Each assessment is structured to meet insurance, estate, and resale requirements while aligning with current replacement values. Clients benefit from detailed documentation that supports long-term protection and informed decision making. It is essential to understand who performs the evaluation and how their expertise is applied.

GIA Certified Gemologist oversight ensures gemstone grading, identity verification, and value conclusions align with globally accepted standards. This level of credentialed review strengthens confidence for insurers, attorneys, and private owners relying on the report. Decades of hands-on experience reinforce consistency across diamonds, colored stones, and multi-stone pieces throughout the appraisal process. A tradition of attentive service supports clear explanations, transparent methodology, and responsive follow up when documentation is needed. Professional tools, current market data, and disciplined procedures work together to reduce valuation gaps. Every report is positioned to function as a reliable business document rather than a simple opinion. This structure supports audits, claims reviews, and future resale discussions.

Insurance appraisals establish replacement values used by carriers to underwrite risk and settle future claims. These reports are updated to reflect market movement and changes in condition over time. Likewise, estate appraisals provide fair market value required for inheritance planning, taxation, and equitable distribution. This documentation supports executors and attorneys during settlement while reducing valuation disputes. Insurance records consolidates descriptions, stone details, images, and assigned values into formal records. These files streamline policy setup, claim submission, and verification when ownership or value must be demonstrated. Together these appraisal formats create a complete valuation framework that protects assets across ownership transitions, legal review, insurance coverage, and long-term financial planning.

Have your jewelry appraised and certified at Gary Michaels Fine Jewelry in Manalapan, New Jersey, by scheduling a professional evaluation that includes photographic records, detailed descriptions, and an itemized valuation suitable for insurance or estate needs. Guests may begin online by reviewing our exquisite engagement rings for comparative valuation references, or take advantage of our appraisals that provide personalized attention, transparent methodology, and a formal report delivered in both print and digital formats for convenient record keeping. We also offer expedited turnaround when documentation is required for insurance updates or probate matters, ensuring prompt and reliable service at every step and confidentiality. Stop by today or contact us for personalized assistance.