Simone & Son Jewelers - Fine Jewelry Since 1978
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Questions? Call us: 714-964-4012


Simone and Son offers detailed jewelry appraisals prepared by our GIA Certified Gemologist. All appraisals are professionally prepared and conform to current industry standards and best practices.

  • 35 years of jewelry industry experience
  • Certified GIA Graduate Gemologist
  • Gemological instruments like those used at the GIA lab

Simone & Son Appraisals are written legal documents that feature:

  • Separate page for each item
  • Individual Gem Grading and Identification
  • Precise measurement and weight estimation of each gem
  • Detailed description of each item
  • High Res photo of each item
  • Dollar value of each item
  • Disclosure of the functions and limitations of the appraisal
  • Appraisers signature

Appraisal Services

  • Gemological Consultation - verbal expert opinion on make & approximate value
  • Insurance Appraisal - written document for insuring jewelry
  • Estate Appraisal - written document for valuing estate and inheritance items
  • Fair Market Appraisal - written document for selling, barter, bankruptcy, divorce, etc.
  • Liquidation Value - written document for collateral
  • Gem Grading, and Damage Report - written document with detailed gemological information
  • Gem and Jewelry Photography - Hi Res professional photos when you need a photographic record
  • Gemological Lab Report - written document from an independent lab (GIA)
  • Damage Reports - Chipped diamonds, scratched gems, etc. To assist your insurance claim.

Appraisal Fees

  • Appraisals for Insurance, Estate, Fair Market Value, etc.- Written document including 2 copies, digital photo and archiving, $95 per item. Extra large appraisals may benefit from our hourly fee of $100 per hour.
  • Updates - Items previously appraised by Simone & Son within 5 years are available for a nominal fee of $25 per item.
  • Consultations - We'll examine your items to determine value, content, identity, etc. and explain our findings verbally. Minimum- $25, $100 hourly fee for extended consultations.
  • Gem Photography- Minimum- $35, Hourly fee, $100/hr plus materials. Digital photos, CD's available


Simone and Son has a GIA Graduate Gemologist with over 15 years in the trade who also serves on the GIA board of education. We have a full gemological laboratory, modern software, and jewelers studio with state-of-the-art equipment.

Appraisals are offered for insurance, price confirmation, fair market value/estate work, marketable cash value, and more. We appraise all kinds of modern and antique jewelry, loose diamonds, and gemstones.

Please CONTACT US to schedule a consultation with our appraiser. We offer a free feasibility meeting for every client.


Insurance appraisals are typically the most common type of appraisal. Insurance companies require an appraisal in order to insure jewelry. In most cases, homeowners insurance will not cover the full value of jewelry in the event of loss, theft, natural disaster, or any other incident.

In obtaining the proper coverage, you will need to provide appraisals for each piece of jewelry and obtain a separate rider or policy for your jewelry because of the higher value. The insurance appraisal provides a current fair market value, detailed and accurate description of the item, and hi res photos which make it possible to identify, replace, and or recreate an exact duplicate should there ever be an incident requiring replacement.


The process for insurance appraisals involves the primary evaluation by our GIA Certified Gemologist followed by our in-house research and evaluation. You will receive the appraisal within 1 to 4 days. The cost is usually per item and varies dependent on the intricacy of each piece of jewelry. If you have multiple pieces you must set up an appointment for appraisal.

At this point we will take inspect your jewelry and determine which pieces are good candidates for an insurance appraisal. You can elect to have some of your jewelry evaluated while you are with your items, and leave some for further evaluation as well. If there are any documentation for previous appraisals, certificates, and receipts please bring those with you to your appointment as it will expedite the process and reduce your overall cost.


The estate appraisal is typically for settling an estate. The primary function is usually to represent the clients best interest whether you are an executor, guardian, or law firm. We understand that the items of jewelry have precious sentimental value and we take that into consideration. The process for an estate appraisal follows the same guidelines as the insurance appraisal process.


A divorce appraisal provides a fair current market value of your jewelry for the division of marital assets. Divorce appraisals follow the same guidelines as insurance appraisals.


This is a service provided for individuals that want to know what the value of a jewelry item is. This can be useful in determining whether or not you want to insure the item, if it is real, or if you paid a fair price. This appraisal does not require an appointment.


Hypothetical appraisals are typically provided after the event of a loss. Hypothetical appraisals require a receipt, picture, and/or prior appraisal that can be evaluated to determine fair current market value.

Appraisals can be time consuming, especially with multiple items. Please call or email to set up an appointment. 714-964-4012

Intended Use Value Type Relevant Issues
Insurance Coverage Replacement Value Determined by Insurance Policy
Resale Marketable Cash Value Appropriate Market Level
Donation Fair Market Value Required by Law
Estate Tax Fair Market Value Required by Law
Estate Distribution Usually FMV Varies by State Law
Equitable Distribution FMV Varies by Jurisdiction
Price Confirmation FMV Historical & Original Price
Bankruptcy FMV Length of Time, Location, & Jurisdiction
Estate Planning FMV Required by Law
Insurance Claim Replacement Value or FMV Determined by Contract or Jurisdiction

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