The value of gemstone jewelry depends on factors like the type of gemstone (diamonds, rubies, emeralds, etc.), its quality (clarity, color, cut, and carat weight), and the metal setting (gold, platinum, etc.). The condition of the piece and whether it’s vintage or antique can also add value.

If you have certification or appraisal papers, that’s a plus. For a clearer idea of its worth, consider a professional appraisal — but these simple checks are a great place to start.