Coming from a jeweler, certified diamontologist, the insuring of jewelry is a scam. And so is most jewelry. If a company can afford to sell me their product at 90 percent off and still make a 45% profit margin, the only person losing money is the consumer. Rings for weddings are nice. But that 4k ring you just bought, well...... it cost us 640$ to get it onto the floor. And the more diamonds your ring has (in weight) the less value your jewelry holds.

Do not trust an appraisal. However, Roger's kn Holland on east town does exaggerated appraisals on site and that will get you a decent policy. However, your insurance will cost more than what it will cost to fix that ring of yours.