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 Insurance -- Loose or set?
P:  3/1/2002 11:18:13 AM  
VampireX02
VampireX02

Rough Rock
Total Posts: 25
Last Post: 3/22/2002
Member Since: 2/26/2002
 
 		Now that everyone on here has helped convince me that my diamond is above average..which is what I was looking for (most of the diamonds I've looked at have been about the same range..so I was concerned that mine wasn't much better than average)...I have an insurance question.

I'm having my diamond independently appraised for insurance. But since it's not set yet, the appraisal will be on the stone only. How does that work with insurance? Can I have the setting and stone insured as one item (the ring) or are these kept separate? What does the insurance company use to determine the value of the setting? Or should I have it appraised loose and then again once it's set? Loose for my use to make sure it matches the cert, and then again set for insurance purpose?

Thanks.
Posted:  3/1/2002 11:18:13 AM

 There are 2 replies to this message.  There are 2 replies on this page.
P: 3/1/2002 1:48:34 PM
Pricescope
Pricescope

Administrator
Total Posts: 8,265
Last Post: 1/5/2008
Member Since: 1/1/2000
 
 		Hi Vamp, :)

You have to check it with your insurance company. Check Chubb, they have good engagement ring program: www.chubb.com/individuals/engagement.html


Pricescope
Posted:  3/1/2002 1:48:34 PM
P: 3/1/2002 3:13:26 PM
lawmax
lawmax

Ideal Rock
Total Posts: 1,260
Last Post: 3/8/2009
Member Since: 1/1/2000
 
 		I think it's rare that an insurance company will insure a loose stone for a consumer, but it's possible.

You should have another appraisal of the finished ring when you insure it.

:)

Posted:  3/1/2002 3:13:26 PM

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