I remember readin in one of the 20+ tutorials I have read about different insurance policies for my diamond, however now that I'm past the buying stage, and into the insuring stage, I can't find any of the info I glanced at before. I went to State Farm here in NC where I have my auto policy, but they have a clause in their policy that states THEY can replace my diamond with equal value, instead of giving me a check to replace it myself. Well I bought an EightStar and if they go strictly by Color, Clarity and Weight, they could easily replace it with a diamond at a 1/3 of the cost, and 1/3 of the light performance. What is the official name, or type, of policy that gives me a check, and allows ME to pick out the new diamond? Any recommendations on what companies to check out?