Hi have finalized my diamond ring...moving to next stage now. My ring will be 0.83 carat...platinum metal cost approx $4300.... Do i require insurance & if yes, then what do u think is the right amount i need to pay yearly? I talked with Jeweler Mutual...they quoted around $60 annual payment. Have read few posts about Jeweler Mutual in this forum and seems to have good reputation.... i know nothing about insuring rings ...anything particular i need to clear with them? thans!