What documentation do I need to insure jewelry in Georgia?

Get a current appraisal from a certified gemologist before placing coverage. Most carriers require appraisals for pieces over $5,000. The appraisal should document the four Cs for diamonds, include photographs, and state current replacement value, not resale or estate value. Appraisals should be updated every three to five years as diamond and gold markets change. If your appraisal is more than five years old, the replacement cost may be significantly higher than the insured amount.