I recently had an Old European Cut diamond ring that I inherited appraised. It has several medium to large inclusions, a small chip and isn't the highest quality diamond, but it is fairly large, approx. 3.5 carat. (Sorry I don't have the appraisal papers handy to look up the details.) When I took the ring and the appraisal to my insurance company (State Farm) to add it to my other jewelry rider account, the agent said that he couldn't insure it because it's "too unique" and that they couldn't truly replace it if something happened to it. Have you ever heard of such of thing? Are there other insurance companies that you would recommend checking with?