Jewelry Insurance Appraisals
Got Engaged - Now Get It Insured. Here’s Why It Matters.
Published: May 12, 2025
You Popped the Question—Now Protect the Ring
Congratulations on your engagement! You’ve picked out the perfect ring—sparkling, symbolic, and sentimental. But here’s the next step every couple should take (and many forget): insuring your engagement ring.
Life happens. Lost luggage, sticky fingers, accidental damage—protecting your investment means preserving peace of mind. At Hopman Jewelers, we’re here to guide you through the process, and as a full-service jeweler with an in-house GIA Graduate Gemologist, you’re in expert hands.
Why You Should Insure Your Jewelry
Here are just a few reasons why engagement ring insurance is a smart move:
Loss or Theft – Whether it slips off at the beach or vanishes during travel, insurance can help replace it.
Damage or Repairs – Prongs wear down, stones chip—life isn’t always gentle, but your coverage can be.
Disappearance – Can’t explain where it went? Many homeowner’s policies won’t cover that. Jewelry-specific insurance often does.
Sentimental Value – You can't replace the memories, but insurance gives you the means to recreate the piece.
Appraisal 101: What You Need to Know
Before you can insure, you’ll need an appraisal—but not all appraisals are created equal.
Insurance Appraisal:
Includes detailed descriptions and photos
Assigns a replacement value based on current retail market
Used for insuring items through a company like Jewelers Mutual
Estate Appraisal:
Used for legal, tax, or inheritance purposes
Reflects fair market value, which may differ from retail price
Often required in estate planning or probate situations
At Hopman Jewelers, our GIA Graduate Gemologist provides both types of appraisals with precision, professionalism, and a deep understanding of market value.
Why We Recommend Jewelers Mutual
We partner with Jewelers Mutual® Insurance Group, a company trusted by jewelers and jewelry owners since 1913. Here’s why it’s our preferred choice:
Comprehensive Coverage – Loss, theft, damage, and even mysterious disappearance
Worldwide Protection – Whether you're traveling abroad or honeymooning at home
Fast, Professional Claims – Easy online claims and expert repairs/replacements through us
Standalone Policy – Doesn’t affect your homeowner’s or renter’s insurance
Flexible Plans – Tailored to your piece and your needs
Let’s Make It Official (Again)
You’ve already made one lifelong commitment—now it’s time to protect it. At Hopman Jewelers, we’re proud to walk with you from the "Yes!" to the happily ever after—and all the responsible steps in between.
Whether you need an appraisal, an insurance referral, or simply want to learn more, we’re here to help.
Hopman Jewelers
Where Timeless Elegance Is Always Protected.
Congratulations on your engagement! You’ve picked out the perfect ring—sparkling, symbolic, and sentimental. But here’s the next step every couple should take (and many forget): insuring your engagement ring.
Life happens. Lost luggage, sticky fingers, accidental damage—protecting your investment means preserving peace of mind. At Hopman Jewelers, we’re here to guide you through the process, and as a full-service jeweler with an in-house GIA Graduate Gemologist, you’re in expert hands.
Why You Should Insure Your Jewelry
Here are just a few reasons why engagement ring insurance is a smart move:
Loss or Theft – Whether it slips off at the beach or vanishes during travel, insurance can help replace it.
Damage or Repairs – Prongs wear down, stones chip—life isn’t always gentle, but your coverage can be.
Disappearance – Can’t explain where it went? Many homeowner’s policies won’t cover that. Jewelry-specific insurance often does.
Sentimental Value – You can't replace the memories, but insurance gives you the means to recreate the piece.
Appraisal 101: What You Need to Know
Before you can insure, you’ll need an appraisal—but not all appraisals are created equal.
Insurance Appraisal:
Includes detailed descriptions and photos
Assigns a replacement value based on current retail market
Used for insuring items through a company like Jewelers Mutual
Estate Appraisal:
Used for legal, tax, or inheritance purposes
Reflects fair market value, which may differ from retail price
Often required in estate planning or probate situations
At Hopman Jewelers, our GIA Graduate Gemologist provides both types of appraisals with precision, professionalism, and a deep understanding of market value.
Why We Recommend Jewelers Mutual
We partner with Jewelers Mutual® Insurance Group, a company trusted by jewelers and jewelry owners since 1913. Here’s why it’s our preferred choice:
Comprehensive Coverage – Loss, theft, damage, and even mysterious disappearance
Worldwide Protection – Whether you're traveling abroad or honeymooning at home
Fast, Professional Claims – Easy online claims and expert repairs/replacements through us
Standalone Policy – Doesn’t affect your homeowner’s or renter’s insurance
Flexible Plans – Tailored to your piece and your needs
Let’s Make It Official (Again)
You’ve already made one lifelong commitment—now it’s time to protect it. At Hopman Jewelers, we’re proud to walk with you from the "Yes!" to the happily ever after—and all the responsible steps in between.
Whether you need an appraisal, an insurance referral, or simply want to learn more, we’re here to help.
Hopman Jewelers
Where Timeless Elegance Is Always Protected.