4360 S Ridgewood Ave. Port Orange, FL 32127

Getting jewelry appraised for insurance purposes can easily be a lifesaver. Did that diamond engagement ring take a trip down the garbage disposal or disappear while on vacation abroad? With proper insurance and an appraisal from a certified gemologist, you’re covered. Keep reading to learn more about jewelry appraisal for insurance, how often you should get jewelry appraised, and the costs involved.

Staycie Nickole Rylee
I absolutely love doing business with everyone at LaBosco’s, they always make you feel like family! I especially appreciate Jim Naylor, he is a wealth of knowledge in the jewelry world. I always trust and appreciate all his guidance. You can always guarantee that your expectations in quality will be exceeded!!!
Mary Kelly

Always have great experiences here and the staff and jewelry is first rate. I have purchased from them, had repairs made, and used their expertise in many ways. Jim, Mike and the whole group of staff members are always excellent and ready to help. Can’t say enough nice things about all of them. Thank you. I am a customer for life!

Danielle Bailey

Best jewelry store in town! Jim Naylor is an excellent gemologist and has created several family heirlooms for me!


Jim Naylor always goes above and beyond to ensure you get the best deal in town. As a prior instructor with GIA he has the background and experience to ensure he delivers the highest quality product to satisfy each customer.

Jewelry Appraisal for Insurance

The tool you need for insurance is the appraisal. Our professional jewelry appraisers record the weight, materials, markings, quality and rarity of a piece, and the manufacturing details. After documenting the current market dollar value on the ring appraisal you can get jewelry insurance. Why does this matter? Jewelry insurance helps replace the item if it is lost, stolen, disappeared, or damaged. Typical homeowners insurance, or riders, are much more limited in coverage for appraised jewelry.

How Often You Should Get Jewelry Appraised

Wouldn’t it be nice to get one appraisal when you first buy the jewelry and never worry about it again? But there’s a good reason jewelry appraisals should be updated regularly. Jewelry gains value! A ten-year-old appraisal might only pay out a fraction of the current market value of the appraised jewelry. Ideally, jewelry appraisals should be updated every two or three years, but certainly no later than five years. You should also get a new appraisal if your item has been significantly altered. For example, if a gem is swapped out or a piece is modernized with a custom jewelry design. Any change of insurance company or a change in their policy may require an updated jewelry appraisal.

Jewelry Appraisal for Insurance Cost

Jim Naylor at LaBosco’s has flexible and ethical rates that may vary upon the piece or the amount of jewelry appraised. Contact him directly for a detailed quote or to schedule a consultation. Generally, a single appraisal is typically $75-$100, with a $35-50 charge for each additional item. To update a recent LaBosoco’s appraisal is only $25. If you have an appraisal from another jeweler you would like updated, the cost is $50. Prices are always subject to change depending on the complexity of the appraisal. According to Jewelers Mutual, the cost of jewelry insurance should be around 1-2% of the jewelry’s value. You can check your jewelry insurance rate on their website.

Get Your Jewelry Appraised Today! Need a jewelry appraisal or have questions? Contact LaBosco’s Jewelry Castle today, or stop by to visit us at our Port Orange location!

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