how have you all insured your rings? I am trying to insure mine with a stand alone policy, as i don''t have homeowners, renters, or auto insurance (I''m a student, so I have no real assets at the moment). I am probably going with Jewelers Mutual, but my real question for you all is where you got your rings appraised (if at all) and whether I need to get a retail replacement value/appraisal from Tiffany''s, which costs about $200, or whether another appraiser can give me what I need and ensure that an insurance company will replace my ring with an authentic tiffany should anything happen to it. Have any of you had to file a claim and, if so, was there trouble, especially if you were not listed in tiffany''s database as the original owner of the piece? Please share your experiences!