I have a lot of jewelry but I only have five or six large items on a separate policy through my insurance company....It’s at the point where I’m not adding them on the policy if they are less than $5,000...I’m not even insuring some things over $5,000 to be honest. If a small stone falls out which is rare..I just bring it in to the jeweler and pay for the new stone to be replaced. If I asked my insurance company to replace a little stone I know that’s a mark against me...even for such a small cost to them..and insurance companies can drop you...so it’s not worth it for a band...I’m basically just insuring the large stuff...I’m curious to see what everyone is doing as far as insuring all their bling...especially when you have more than one engagement ring..
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