Jewelry Appraisal 101: Understanding the Value of Your Treasures

December 7, 2023

In the world of fine jewelry, each piece is more than just a decorative item; it’s a treasure trove of memories, value, and potential legacy. Whether it’s a family heirloom, an investment piece, or a cherished gift, understanding its value is crucial. This is where jewelry appraisal comes into play. Let’s dive into the basics of jewelry appraisal and discover how AGS, Honolulu’s premier independent jewelry appraisal service, assesses the value of your treasures.

What is Jewelry Appraisal?

Jewelry appraisal is the process of evaluating and determining the value of jewelry pieces. This process is carried out by skilled professionals who examine various aspects of each piece, such as materials, craftsmanship, and market trends. The outcome of an appraisal is a detailed report that outlines the value and characteristics of the jewelry item.

The Importance of Jewelry Appraisal

For Insurance Purposes

One of the primary reasons for getting jewelry appraised is for insurance. In the unfortunate event of theft, loss, or damage, an appraisal provides the documentation needed to ensure you are adequately compensated. Insurance companies often require a detailed appraisal to determine the coverage amount for high-value items.

For Estate and Legacy Planning

Jewelry appraisals are also essential for estate and legacy planning. Knowing the value of your jewelry helps in the fair distribution of assets among heirs and assists in legal matters concerning estate taxes.

How AGS Assesses Value

At AGS, the appraisal process is thorough and detailed, ensuring clients receive accurate and fair assessments.

Examination of Material and Craftsmanship

AGS experts meticulously examine the materials of each piece – from the type and quality of metals to the gemstones it features. They assess the craftsmanship, design, and condition of the jewelry, which are significant factors in determining its value.

Gemstone Identification and Grading

The identification and grading of gemstones are vital in the appraisal process. AGS appraisers analyze gemstones based on the 4 C’s – Carat (weight), Cut (shape and make), Clarity (purity), and Color. When available, they also verify gemological laboratory reports for added accuracy.

Market Value Estimation

AGS takes into account the current market trends and values when appraising jewelry. This ensures that the appraisal reflects the piece’s most accurate and up-to-date market value.

Detailed Documentation

Each appraisal is documented with a detailed description and digital photograph of the item. This includes metal content determination, gemstone details, and an overall valuation, providing clients with a comprehensive report of their treasure.

The Appraisal Process at AGS

Client Participation and Education

What sets AGS apart is the opportunity for clients to participate in and learn from the appraisal process. Appraisals are performed while you wait and watch, offering an educational experience and complete transparency.

Professional Standards

AGS adheres to the highest professional standards in all appraisals, ensuring every client receives a reliable and trustworthy assessment. With over two decades of experience in the industry, AGS has established itself as a leader in jewelry appraisals in Honolulu.


Understanding the value of your jewelry is an important aspect of owning and caring for these precious items. Whether for insurance, estate planning, or simply for personal knowledge, a professional appraisal from AGS provides peace of mind and recognition of your jewelry’s true value. Embrace the assurance and insight that comes with a professional appraisal and ensure that your treasured pieces are accurately valued and protected.

What People Are Saying