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Smarter Living: Tips for keeping your valuable jewelry safe

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RALEIGH, N.C. -

We insure our cars and our homes, but what about your jewelry? In this edition of “Smarter Living” we’ll look at why you should protect your investment and how jewelry appraisals work.

Megan Wright spent nearly four days searching her home for her missing engagement and wedding rings.

“I was physically sick over this. I overturned everything in the house that I could think of looking for them,” Wright said.

Wright finally found the rings in her closet.

“My four-year-old daughter had been in there playing dress up,” she said. “She swiped my rings, probably tried them on herself and then she left them in the toe of my shoe.”

Wright recently had her jewelry appraised, so she was prepared had her rings been gone for good. If an item is lost, damaged or stolen, an appraisal provides a detailed description of the piece.

“When you want to recreate the piece, there will be enough detail: the stones, the metal, the weight, the quality of the stones, that you’ll get back exactly what you had,” said jeweler Greg Bires. “If you have a vague appraisal then it’s possible you’ll end up with a ring, but it won’t be the same quality or value you had originally.”

You'll also need an appraisal if you want your jewelry insured.

“Having your jewelry appraised can make sure you have it valued at the correct amount, especially with the fluctuation we’ve seen in gold prices,” said Angie Hicks of Angie’s List.

“Gold was three, four hundred dollars an ounce for or five years ago, now it’s $1,200 an ounce,” Bires said.

It’s suggested that you have your items appraised at least every three to four years. You can expect to pay anywhere from $25 to $65 per item.

“It’s very affordable and creates a great piece of mind in the event that your rings end up in the bottom of your shoe,” joked Wright.

It’s important to choose your appraiser wisely. Steer clear of any appraiser who charges you a percentage of an item’s appraised value. Also important to note, appraisals shouldn’t take much more than a day.

Copyright WNCN 2014. All rights reserved.


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