Luxury watches and fine jewelry are investments. If something happens to an item, however, it can be difficult to receive the full value of that investment without a proper appraisal. Since the price of gems is in constant fluctuation, most jewelers recommend having an appraisal performed on all fine jewelry every three years. If you’re unsure of whether you need one, consider these situations: Protect Your Jewelry in Case of Loss Under standard insurance, you are not covered for loss or damage of your jewelry without an appraisal. Therefore, you risk significant financial loss should anything happen to your beloved pieces. An...