Hey yall,
I bought my ring / setting (I had an old post on here somewhere about it and finally went with it) and now I've got to figure out insuring it.
My question is this: I'm probably going to go with "Perfect Circle" (apparently this is just the new consumer face of Jewler's Mutual?) but I'm not sure what to insure if for. My purchase price was much less than the inflated appraisal price that was included, but when I go through the BlueNile website to the perfect circle link the amount it automatically calculates is more than my purchase price and less than my appraisal price.
The total purchase was just under $5k so I can technically submit my receipt in lui of an appraisal (and in lui of going through the BN website which doesn't require a separate appraisal) but if I search on their site I can't find a similar diamond for anywhere around the price price I paid for mine (all 20% or so more for the most part) so I'm just not sure what value to insure at.
Here are a few pictures of the diamond (not great, just off my iphone -- I apologize...) Took a gamble with the strong blue florescence and really like the effect it gives the ring! She loves the color of sapphires but wanted a diamond so hopefully she will think this is the best of both worlds as well!
Here are the details on the stone (Price: $3500 less 1.5% bank wire discount = $3447.50 - 5% ebates cash back = $3,275.13 net cost)
The dimensions are 6.45 - 6.47 x 4.04 mm
Weight: 1.03 cts
Color: J
Clarity Grade: SI1
Cut Grade: Excellent
Crown %:35.5
Pavilion %:41.0
Depth %:62.5%
Table %:55%
Polish:Excellent
Symmetry:Excellent
Girdle:Medium to Slightly Thick
Culet: None
Finish
Polish: Excellent
Symmetry: Excellent
Fluorescence: Very Strong Blue (this is the effect I wanted)
HCA Results:
Factor Grade
Light Return Very Good
Fire Good
Scintillation Good
Spread Very Good
I bought my ring / setting (I had an old post on here somewhere about it and finally went with it) and now I've got to figure out insuring it.
My question is this: I'm probably going to go with "Perfect Circle" (apparently this is just the new consumer face of Jewler's Mutual?) but I'm not sure what to insure if for. My purchase price was much less than the inflated appraisal price that was included, but when I go through the BlueNile website to the perfect circle link the amount it automatically calculates is more than my purchase price and less than my appraisal price.
The total purchase was just under $5k so I can technically submit my receipt in lui of an appraisal (and in lui of going through the BN website which doesn't require a separate appraisal) but if I search on their site I can't find a similar diamond for anywhere around the price price I paid for mine (all 20% or so more for the most part) so I'm just not sure what value to insure at.
Here are a few pictures of the diamond (not great, just off my iphone -- I apologize...) Took a gamble with the strong blue florescence and really like the effect it gives the ring! She loves the color of sapphires but wanted a diamond so hopefully she will think this is the best of both worlds as well!
Here are the details on the stone (Price: $3500 less 1.5% bank wire discount = $3447.50 - 5% ebates cash back = $3,275.13 net cost)
The dimensions are 6.45 - 6.47 x 4.04 mm
Weight: 1.03 cts
Color: J
Clarity Grade: SI1
Cut Grade: Excellent
Crown %:35.5
Pavilion %:41.0
Depth %:62.5%
Table %:55%
Polish:Excellent
Symmetry:Excellent
Girdle:Medium to Slightly Thick
Culet: None
Finish
Polish: Excellent
Symmetry: Excellent
Fluorescence: Very Strong Blue (this is the effect I wanted)
HCA Results:
Factor Grade
Light Return Very Good
Fire Good
Scintillation Good
Spread Very Good