If everything got stolen, in all likelihood I wouldn’t replace 99% of it. I really enjoy wearing Bella, but I doubt I’d replace her with another OEC that big, if at all. The truth is I hardly wear much jewellery, and have pieces I haven’t worn for years.
Many pieces are inherited from my mother and I have so many things that if something happened where all my stuff got lost or stolen then no I would not be able to replace all of it. I would definitely try to cobble the funds from the insurance though to maybe get a few really nice pieces. I think I would be hard-pressed to get my OEC replaced for the same price I paid given that I got it from Diana. I would definitely be looking for another large a Oec though if something happened to mine. My other main piece of jewelry is a yellow diamond from DBL and I would probably get another yellow diamond if something happened to it because I really love fancy yellows.