Diamond & Jewelry
Appraisals

Southeast Valley, Arizona

Know what you own. Know what it’s worth.

In-home diamond and jewelry
appraisals by a GIA Graduate.

Book a home visit How visits work

$99 home visit · travel included

See how a diamond is appraised

Figures from a sample 0.71 ct report

Proportions

Measured, not guessed.

Every diamond is weighed, measured and graded before it's valued. Matthew records the same proportions a grading lab does, because angles change how a diamond looks and what it's worth.

Clarity

Seen at 10x magnification.

Inclusions are a diamond's fingerprint. Plotting them grades clarity, and it identifies your exact stone if it's ever lost, stolen or swapped.

Grading scales

Graded to the standard insurers trust.

Color, cut, polish and symmetry are graded on the GIA system, the same scales jewelers and insurance companies use.

Measurements

Documented in detail.

Weight, measurements, photographs and condition go into a signed, dated report prepared to USPAP, the national standard for appraisals. You get a PDF, plus printed copies on request.

Results

Valued for the reason you need it.

Insurance replacement or fair market value, written for the way you will actually use the report.

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Matthew Ozuzun, founder of MKO Diamond & Jewelry Appraisals

Meet your appraiser

Matthew Ozuzun, founder of MKO

I've spent 14 years in the jewelry industry working hands-on with diamonds, fine jewelry and precious metals. I hold the Graduate Diamonds diploma from the Gemological Institute of America (GIA), so I grade diamonds using the same color, clarity and cut standards the GIA laboratory uses.

I started MKO because appraisals deserve more care than a quick look over a store counter. I come to you, take the time to explain what I'm seeing, and write a report that's accurate, well documented and prepared for exactly the purpose you need.

GIA Graduate DiamondsNAJA memberIndependent appraiserUSPAP-compliant reportsSan Tan Valley, AZ

How it works

In most cases, your jewelry never leaves your sight.

Most appraisals take about an hour, start to finish, at your own table.

Book online

Pick a time, say roughly how many pieces you have, and confirm with the visit fee.

Matthew comes to you

He arrives with professional gemological equipment and looks over up to 10 pieces with you.

Examination

Each piece is examined, measured, graded and photographed. Anything that needs a closer look at his office is typically finished within 48 hours.

Your report

You receive a signed, dated report as a PDF, with photos of every piece. Printed copies are available on request.

Services & pricing

Two kinds of appraisal, each written for a purpose.

An appraised value only makes sense next to the reason it was written. Tell Matthew why you need the appraisal and he will prepare the right one.

For your insurer

Insurance replacement

Documents what it would cost to replace your piece with one of like kind and quality at retail today. This is the value most insurers ask for when you schedule jewelry on a policy.

Best for: engagement rings, new purchases, updating an existing policy

For estates and divorce

Fair market value

Estimates the price a piece would bring between a willing buyer and a willing seller. It is the value typically used when dividing property or settling an estate.

Best for: estate settlement, divorce, inherited jewelry, personal records

What MKO appraises

Diamonds, loose or mounted. Diamond engagement rings, bands, earrings, pendants and bracelets. Fine and estate jewelry in gold and platinum.

Who MKO works with

Individuals and families, insurance agents who need documentation for a client, and jewelers who want an outside appraisal.

What MKO doesn't appraise

Colored gemstones such as sapphires, rubies and emeralds. If your piece centers on a colored stone, Matthew will point you to a qualified colleague.

Pricing

Know the cost before any work begins.

Due when you book

$99

Home visit

Travel within about 30 miles of San Tan Valley, plus a look at up to 10 pieces.

Per piece

from $99

Appraisal reports

Priced by the piece and its complexity. You get your quote at the visit, before any work starts.

Larger jobs

Quoted

Estates and collections

More than 10 pieces, or homes beyond the 30-mile area, are quoted for the job.

  • Pay $99 to bookPaid by card through Square, which holds your time.
  • Balance at your visitBy card or cash, once you have agreed to the quote.
  • Never an offerMKO does not buy or sell jewelry, so your value is never a negotiating position.

Client stories

What clients say.

Placeholder review
He explained every part of my engagement ring while he worked, and my insurance agent accepted the report without a single question.
Client nameGilbert
Placeholder review
We had a box of my mother's jewelry and no idea what any of it was. Having it done at home, at our own pace, made a hard week easier.
Client nameQueen Creek
Placeholder review
I send my clients to MKO when they need to schedule jewelry. The reports are thorough and the photos make underwriting simple.
Insurance agentChandler
30 MI 20 MI 10 MI Queen Creek Gilbert Chandler Mesa Florence San Tan Valley

Service area

Serving the Southeast Valley.

Based in San Tan Valley, Matthew visits homes within about 30 miles across Pinal and Maricopa Counties. Homes farther out are welcome by arrangement.

Cities
San Tan Valley, Queen Creek, Gilbert, Chandler, Mesa, Florence and nearby communities
Hours
Monday to Friday, 9 am to 5 pm. Weekends by arrangement.
Booking
One to three business days ahead is ideal. Same-day visits may be available.

Book a visit

Pick a time and reserve your home visit.

Booking takes about two minutes: choose a time, answer a few quick questions and pay securely through Square.

  1. Choose a day and time

    Weekdays, 9 am to 5 pm. Weekends by arrangement.

  2. Tell Matthew about your pieces

    Why you need the appraisal, roughly how many pieces you have, and the address for the visit.

  3. Pay $99 to confirm

    Paid by card through Square. You'll get a confirmation and a text reminder before your visit.

Book a home visit

Payments are processed by Square. MKO never sees or stores your card number.

Have photos? Send them ahead.

Optional, but it helps Matthew prepare. Reply to your booking confirmation email with a few photos of your pieces and any lab reports or receipts you have.

FAQ

Questions clients ask.

Short answers to what people ask most before booking.

Still have a question?

Email Matthew and he'll get back to you.

matthew@mkojewelry.com

Read the diamond guide
What is a jewelry appraisal?

A professional evaluation that documents a piece's characteristics, condition and value for a specific purpose, such as insurance coverage, estate planning, divorce or personal records.

Why do I need one?

Most insurers need a current appraisal to cover jewelry for its full value. An appraisal is also the documented record you need to settle an estate, divide property, or simply know what you own.

What do you appraise?

Diamonds, loose or mounted, and fine and estate jewelry in gold and platinum, including engagement rings, wedding bands, necklaces, bracelets and earrings. Matthew doesn't appraise colored gemstones such as sapphires, rubies or emeralds, but can refer you to a qualified colleague who does.

Can you appraise jewelry I inherited?

Yes. Estate and inherited jewelry can be appraised for estate settlement, insurance, personal records, or simply to understand what you have.

Will the appraisal tell me what I can sell it for?

Not exactly. An appraisal values a piece for a specific purpose, and that isn't the same as what a jeweler, dealer or private buyer would pay. If you're thinking about selling, Matthew can explain the difference between appraised value and likely resale value.

My diamond already has a GIA report. Do I still need an appraisal?

Usually, yes. A lab report grades the loose diamond but doesn't assign a value, and it says nothing about the setting, metal or condition of the finished piece. Your report is still very helpful, so have it ready at your visit.

Do I need the original receipt?

No. A receipt or lab report is helpful if you have one, but every piece is evaluated on its own observable characteristics.

How often should I update my appraisal?

It's a good idea to review appraisals every few years, and sooner if gold, platinum or diamond prices have moved significantly. Your insurer may have its own schedule.

Care tips and market notes, a few times a year.

When to update your appraisal, how to clean your ring, and what's moving in the diamond market.

$99 home visitTravel included Book a home visit