I ended up going with Jeweler's Mutual. You can check them out at http://www.jewelersmutual.com
Several people recommended them to me. Do remember that if you own your home you may already have coverage, or be able to add a policy rider to an existing policy that might be cheaper than an independent policy.
As far as the pros and cons are concerned, I wanted the security of knowing the ring would be replaced if it was lost or stolen. That's another important thing to watch in the policies - most are replacement policies that will replace the ring with "like and kind" in the event of a loss. There usually isn't the option of getting a cash payout from these policies.
Hope this helps.
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