Boston Gem Laboratory

Are You Sure Your Jewelry and Gemstones Are Insured For What They Are Truly Worth?

Insurance Coverage Types and Features:

• Retail Cost: insurance company does not owe you the retail cost or your perceived value, only the value of the jewelry; mark-ups may be high and jewelry appraisals are often inflated
• Actual Replacement Cost: policies are generally for replacement which allows the insurance company the option of replacing the jewelry based on their cost to replace, not your insured value; detailed descriptions and photographs are essential

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800.696.2522

The value of your jewelry items is determined by the insurance company at the time of loss; and insurance companies have the option of replacing the loss instead of making a cash settlement or repairing the damaged property. You are entitled to the same quality; the appraisal must not have any omissions in the report to ensure that the replacement is the same quality. This is the protection that Boston Gem Lab provides.

800.696.2522