Trusted Jewelry Appraisal Services in Towson, MD: GIA G.G. Appraisers
When you own fine jewelry, you need an accurate, trusted appraisal for one of three main reasons: securing insurance, planning an estate, or preparing for resale. No matter your goal, we make the appraisal process simple and transparent.
Based in Towson, MD, our team provides comprehensive appraisal services for all fine jewelry, watches, and more. Every appraisal is handled by a GIA Graduate Gemologist (G.G.) and conducted in compliance with strict industry guidelines, including AGS, NAJA, and USPAP standards. We give you the expert documentation you need for total confidence.
Meet Our Credentialed Appraisers
Trusted Expertise
Our GIA Graduate Gemologist (G.G.) appraisers bring decades of combined experience to every valuation. We ensure every appraisal is an accurate, reliable assessment of your jewelry’s current market value.
Tailored Service
Whether you need a single item valuation or comprehensive inventory for an estate, we customize our jewelry appraisal services to your specific requirements. Book your private appointment today at our Towson, MD location.
Integrity and Transparency
We adhere strictly to USPAP compliance and the high ethical standards set by the Gemological Institute of America (GIA) and other leading organizations. We provide honest reports with clear communication and no hidden fees.
Comprehensive Assistance
We provide specialized reports for every scenario, including insurance coverage, estate planning, liquidation, and potential resale. Our reports confirm the valuation type needed for your specific goal.
Jewelry Appraisal Services for Insurance, Estate, and Resale
The reason you need a jewelry appraisal determines the type of valuation required. Our GIA Graduate Gemologist (G.G.) appraisers understand these legal and market distinctions and provide professionally prepared, legally compliant jewelry appraisal reports for every purpose.
Jewelry Appraisals for Insurance & Replacement Coverage
Insurance appraisals are essential for securing proper coverage and ensuring smooth, timely claims.
Valuation Method:
We provide Retail Replacement Value (RRV) appraisals. This reflects the cost to replace your jewelry with a new item of comparable quality in a typical retail environment.
Purpose:
Retail Replacement Value appraisals are required by all major insurance carriers to establish coverage limits and process claims accurately.
- Jewelry insurance policies
- Coverage updates after purchase or inheritance
- Loss, theft, or damage claims
Estate, Probate & Tax Jewelry Appraisals
Estate and probate appraisals are required for orderly asset distribution and legally compliant tax reporting.
Valuation Method:
We provide Fair Market Value (FMV) appraisals as defined by the IRS. FMV represents the price at which property would change hands between a willing buyer and seller, neither under compulsion.
Purpose:
Fair Market Value appraisals are necessary for:
- Estate tax filings
- Probate court proceedings
- Trust administration
- Equitable distribution among heirs
Jewelry Appraisals for Resale, Liquidation & Charitable Donation
Resale and liquidation appraisals help establish realistic pricing based on current secondary market conditions.
Valuation Method:
We use Fair Market Value (FMV) to reflect what jewelry is likely to sell for in today’s market, not inflated retail pricing.
Purpose:
Your appraisal provides objective documentation for:
- Selling or liquidating jewelry
- Negotiating with buyers or dealers
- Supporting charitable donation deductions
Explore Our Full Range of Professional Jewelry Appraisal Services
From insurance and estate appraisals to resale and donation valuations, we provide accurate, ethical, and legally defensible reports tailored to your specific needs.
Our Jewelry Appraisal Process
Easy Appointment Scheduling
We’ve streamlined the jewelry appraisal process. Simply submit an appraisal request online to book a private appointment at our office in Towson, MD. For your convenience, we are also equipped to conduct examinations inside law offices, bank vaults, or other secure locations by request.
We offer exceptional flexibility, traveling regularly to serve clients in Easton, MD, Frederick, MD, Woodbridge, VA, and Inwood, WV.
Thorough Examination
Our GIA Graduate Gemologists (G.G.) provide a meticulous assessment of your assets, focusing on essential factors such as:
- Carat weight
- Cut
- Clarity
- Metal type
- Distinctive characteristics
For estate and antique pieces, we also evaluate aspects like age, condition, and historical significance.
Detailed, Compliant Report
You will receive a comprehensive appraisal document that includes a detailed description of your item, high-quality images, and the official Retail Replacement Value (RRV) or Fair Market Value (FMV) based on your needs.
Integrity and Transparency
We prioritize clear communication and operate in strict adherence to USPAP (Uniform Standards of Professional Appraisal Practice) compliance. You can trust that there are no hidden fees or vague terms—just straightforward service from start to finish.
Expert Appraisals for Specific Assets
Our credentialed experts understand that fine jewelry and timepieces are unique assets. We provide specialized, accurate valuations that focus on the specific materials, craftsmanship, and market realities of each category.
Engagement Ring Appraisals
Leveraging our GIA expertise, we provide precise, 4C (Carat, Cut, Color, Clarity) grading for all loose and mounted diamonds, ensuring accuracy for insurance and resale.
Expert Antique & Vintage Jewelry Appraisal
Our specialists assess the historical significance, unique craftsmanship, and era-specific materials (e.g., filigree, specific cuts) that determine the value of pieces from the Victorian, Edwardian, Art Deco, and Retro eras.
Watch & Timepiece Appraisals
We evaluate the complex internal movement, metal, condition, and market provenance for modern, vintage, and luxury timepieces (including brands like Rolex, Omega, and Cartier).
Diamond Jewelry Appraisals
Our GIA expertise ensures precise 4C grading for all loose diamonds and mounted diamond jewelry, providing the certified documentation you need for insurance and fair market assessment.
Gemstone Jewelry Appraisals
Our GIA Graduate Gemologists specialize in identifying, assessing, and valuing all types of colored gemstones based on identifying characteristics, treatment, and quality.
Pearl Jewelry Appraisals
We provide valuations that consider size, luster, type (Natural vs. Cultured), color, and quality of the strand matching for accurate asset valuation.
Ready for Your Accurate, Professional Appraisal? Start Here.
Your next step toward securing your jewelry appraisal is simple. Use the form below to tell us about your item(s) and request your private appointment at our secure Towson, MD office. Our specialists will contact you within one business day to discuss your needs
Frequently Asked Questions About Jewelry Appraisals
Who will be appraising my jewelry?
Your assets are always handled by highly qualified professionals. Our appraisers include GIA Graduate Gemologists (G.G.). We maintain affiliations and compliance with professional organizations, including the American Gem Society (AGS) and the National Association of Jewelry Appraisers (NAJA).O
How much does a jewelry appraisal cost?
We operate on a set price based on the complexity of your item (e.g., the number of stones requiring individual examination), not a percentage of the final value. This ensures our valuation is impartial and objective. We provide a clear cost estimate before beginning any work.
How often should I have my jewelry appraised?
We generally recommend having an appraisal updated every 3 to 5 years. Jewelry market values—especially for precious metals and diamonds—fluctuate. An outdated appraisal could leave you significantly underinsured, meaning you might not be able to fully replace your item in the event of a loss.
Do you offer appraisals outside of your Towson office?
Yes, we offer exceptional flexibility. We regularly travel to serve our clients across the region, including Easton, MD, Frederick, MD, Woodbridge, VA, and Inwood, WV. We can conduct appointments in your bank vault, law office, or other secure locations. Please contact us to schedule a specialized appointment.
What is the difference between Retail Replacement Value and Fair Market Value?
The primary difference is the purpose of the valuation.
- Retail Replacement Value (RRV): This is the cost to buy a new, comparable item from a jewelry store. It is used almost exclusively for insurance coverage.
- Fair Market Value (FMV): This is the estimated price an item would sell for between a willing buyer and seller. It is used primarily for estate, probate, tax, and liquidation purposes.
Can my jewelry be appraised while I wait?
Yes. All examinations and documentation performed in our secure Towson, MD office, and can often be done while you wait. Your items remain in your sight or in our secure care throughout the entire process.
Do you appraise costume jewelry, gold scrap, or non-jewelry items?
We specialize exclusively in the valuation of fine jewelry and any high-value asset containing precious metals or diamonds/gemstones (e.g., historical artifacts, objets d’art, fine collectibles). We do not provide valuations for costume jewelry or general household items.