Jewelry Insurance..who to choose?

Hi Lovey, I'm researching the same.  The route that I've taken is asked for sample policies to read the verbiage.  I am very surprised by some of them. 
Things that I am checking for: 
- Do they do a cash payout, a repalcement or can you choose which you'd prefer. 
- If they do a replacement can you go to your choice of jeweler or do you have to go to one they choose? 
- What does the "losses not covered" clause state?  One policy I looked at stated "marring, scratching, tearing and denting unless caused by fire, thieves or accidents to conveyances".  Hmmm, what happens if you crack it or have a major chip at some point in time? 
- What constitutes wear & tear? 
- What is their settlement policy?  Our homeowners agent told me that basically they replace at 90% of the appraised value regardless of quality.  As part of the policy he would have to physically see the ring before they would insure it.  I thought that was a bit odd given that we'd have all the receipts & an independent appraiser's opinion w/report.  Makes me feel that they would be difficult to work with or there would be a ton of hoops to jump through in the event of a loss. 

Basically when I've been searching I've kept in mind who is going to be the easiest to deal with in the event of a claim, how flexible are they going to be if there is a claim and am I going to be able to get the same quality (or better if it's not available).  I would love to hear other thoughts on this matter.  One can never be too informed. 

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A deal is only a deal if you are getting exactly what you want.