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There are two different types of appraisals used to evaluate jewellery: The retail appraisal is used to reflect a price usually 50% or more above what you are likely to have paid for an item of jewellery. Many jewellers use this appraisal as a sales tool to help demonstrate a sense of value.
However, the replacement appraisal is the only form of appraisal we recommend. This appraisal reflects a price generally accepted by insurance companies, in the event of loss or theft. The replacement price shown in this appraisal hovers around the same price you are likely to have paid for the item within 5% - 10%.
It is our belief that the replacement appraisal is the only appraisal one should seek.