re: Jewelry Insurance…. Is it worth it?

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After 20+ years of marriage, bought the wifey a much nicer engagement ring w/3 emerald-cut diamonds - State Farm appraised and insured it - about 15 years later one of the diamonds apparently came loose and was lost - insurance replaced with a new comparable diamond. We continue to have insurance on that and added a nice pair of emerald-cut diamond earrings. I think it is worth it.

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Just be aware depending on where you buy your jewelry from it might be "insured" for things exactly like this by who you buy it from.

Shane co. is where I bought my wife's engagement/wedding ring. Over the years shes had a few of the smaller diamonds fall out, they have always taken it and replaced it for free, lifetime guarantee on that, even the big stone.

Now this doesnt cover losing the entire ring, but as far as the diamonds themselves, it does cover that. Part of the reaosn I just bit the bullet and paid the massive markups they have at a place like shane co.

We also insured the rings earlier on in our marriage through insurance company but not any more, just have the shane co free diamond replacement policy for life now. So I hope she doesnt lose the whole set