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Whether you're curious about the value of your collection, planning for insurance coverage, or considering selling pieces, understanding how to appraise jewelry is essential. It's crucial for insurance scheduling, ensuring adequate coverage in case of loss or damage.
While it might be possible to scour the auction market for years searching for an offering similar to the lost item and then obtain that item at a much lower price, this is not the function of insurance coverage. Liquidation Value is often used in bankruptcy contexts. The next level is Fair Market Value.
Why It Matters: Retail replacement value is essential when securing insurance coverage. It guarantees that if something happens to your piece, you can replace it with one of comparable quality and design, providing peace of mind. Higher Valuation : Includes retail markups, overhead costs, and the jeweler’s profit margin.
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