Do I need an appraisal to insure my jewelry in Georgia?

Yes. Proper jewelry coverage requires a current appraisal from a certified gemologist for pieces typically over $2,500 to $5,000 depending on the carrier. Appraisals should be updated every three to five years as market values change. An outdated appraisal below current replacement value means a claim pays less than the piece is worth. For inherited pieces without documentation, most carriers accept a written jeweler's estimate.