I''m looking to get my engagement ring insured and I have two options: homeowners'' insurance (Amica) and Jewelers'' Mutual. Amica requires me to provide my bill of sale, although my appraised value is higher than that. Jewelers'' Mutual will insure me for my appraised amount but will cost me $948/year with no deductible and $777/year with a $1000 deductible. I''m leaning towards the $777/year and $1000 deductible option but wanted to get some input from you guys first. Can anyone please provide some insight? Thanks a lot!