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The appraiser gets a fee and you pay a higher insurance rate, so the insurer gets paid.

Odds of ring getting stolen is very low, but you keep it insured just in case

My mother’s rings were appraised at 5 and 6K. Jeweller offered $750 for one and didn’t want the other due to tiny edge chip. Old miners cut stones

Stones in her ring are small. Color average as...