Insurance · buyer-reported prices · updated September 2026
Engagement Ring Insurance Cost: 94 Real Premiums
Buyers who gave both figures paid a median 1.23% of the insured value a year to insure the ring. The most named insurers: Jewelers Mutual (34), BriteCo (7), State Farm (4), TH March (3), Assetsure (3), JewelCover (2).
1.23%median premium a year, of the insured value (94 policies)
2×median appraisal against the price paid (128 rings)
Questions about insurance and appraisals
How much does engagement ring insurance cost?
A median 1.23% of the insured value a year across 94 policies with a stated premium, so about $62 a year on a $5,000 ring.
Why is my appraisal higher than what I paid?
Appraisals here came in at a median 2 times the price paid. An appraisal sets a replacement value for insurance at retail prices, not what the ring would sell for.
Every insured value and premium
| Insured value | Premium a year | Rate | Insurer | What happened |
|---|---|---|---|---|
| – | – | – | – | The person asking says in a reply that the ring is insured; insured value and premium not given |
| – | A$1,080 | – | Centrestone | Quoted about $90/month; still waiting to hear what value they'd insure the $34,500 ring for |
| – | C$56 | – | Mutual Direct | Insured a pair of rings through a mutual-style jewelers policy after a $50 appraisal in Vancouver |
| – | $81 | – | Perfect Circle | International coverage, $0 deductible, about $7/month |
| – | $36 | – | – | Appraised about $1000 above purchase cost; rider covers loss, theft and accidental damage |
| – | $100 | – | – | Under this amount per year, added to fiance's homeowners policy |
| – | $80 | – | State Farm | Added through fiance's homeowner policy |
| – | $25 | – | Perfect Circle | Covers any loss or theft |
| – | $60 | – | – | Separate personal articles policy through their auto/rental insurer |
| – | $60 | – | – | About $5/month extra on renters insurance for the combined ring and band, added before the proposal |
| – | $150 | – | – | Insured the engagement ring for about $150 a year so it would be replaced if lost |
| – | C$550 | – | Jewelers Mutual | Renewal premium jumped from $330 to $550 a year despite zero claims |
| – | – | – | Jewelers Mutual | Insured through Jewelers Mutual for the appraisal amount, which came in $2500 above what the couple actually paid for the ring |
| – | $48 | – | – | Insured via a homeowners rider at about $4/month (roughly $48/year) instead of a specialty jewelry policy |
| – | $25 | – | Jewelers Mutual | Paid $25 for the year; used an Etsy purchase receipt in place of a hard-to-get local appraisal |
| – | $198 | – | Jewelers Mutual | $198/year for 125% coverage with $0 deductible; appraisal came in the low five figures, higher than expected due to inherited diamonds |
| – | $929 | – | Jewelers Mutual | Pays based on purchase price, not appraised value; equivalent to about 1167 CAD |
| – | $100 | – | Jewelers Mutual | Buyer insures her ring through Jewelers Mutual for about $100/year with a $100 deductible. |
| – | $85 | – | Jewelers Mutual | Pays about $85 a year to insure the ring |
| – | – | – | Jewelers Mutual | Quoted 1% of the ring's value annually, with the rate shifting depending on the deductible chosen |
| – | $250 | – | Jewelers Mutual | Pays $250 a year |
| – | – | – | Jewelers Mutual | Originally paid Jewelers Mutual about 1% of value annually before switching insurers |
| – | – | – | Chubb | Switched to Chubb at about 0.85% annually for cash reimbursement instead of a replacement ring; pays once a year in a Midwest metro area |
| – | $500 | – | Jewelers Mutual | Pays $500 a year, but the policy covers heirloom watches and other jewelry along with the ring |
| – | $144 | – | BriteCo | Pays about $12 a month, kept off the homeowners policy on purpose |
| – | $250 | – | Jewelers Mutual | Pays $250 a year, a different writer citing the same figure as another buyer |
| – | $30 | – | Jewelers Mutual | Pays about $30 a year |
| – | – | – | Jewelers Mutual | Insures individual pieces at about 1.5% of value annually, though not everything is covered yet |
| – | – | – | Jewelers Mutual | Quoted 2.7%+ annually, calling it a bad deal, and is exploring alternatives; lives in NYC |
| – | $680 | – | Jewelers Mutual | Pays $680 a year |
| – | $330 | – | Jewelers Mutual | Pays about $330 a year |
| – | $280 | – | BriteCo | Pays about $280 a year and says the peace of mind is worth it |
| – | $192 | – | BriteCo | Pays about $16 a month with BriteCo |
| – | – | – | Jewelers Mutual | Premium is 1% of appraised value with no deductible; only insures pieces above a certain value or antiques |
| – | $100 | – | – | Pays $100 a year to an unnamed jewelry insurance company, separate from her renters policy |
| – | A$600 | – | – | A friend's ring, bought for over $12,000, costs roughly $500-700 a year to insure |
| – | A$1,300 | – | – | Pays this much a year to insure the engagement ring, preferring to have coverage just in case |
| – | $126 | – | BriteCo | Insured a ring through Briteco for $126 a year after submitting photos and an appraisal for review |
| – | $84 | – | Homeowner's or renter's policy | Insured through a homeowners policy rider for about $7 a month |
| – | $100 | – | Jewelers Mutual | Covers loss and theft through Jewelers Mutual; ring valued under $20k |
| – | – | – | Jewelers Mutual | Insurer had auto-bumped the appraised value and premium; after getting it corrected the premium ended up only $5 higher than the prior year |
| – | – | – | BriteCo | Found BriteCo priced about half of Jewelers Mutual for the same coverage, with no deductible |
| – | – | – | Jewelers Mutual | Jewelers Mutual tried to raise renewal premium about 52% with zero claims; the person asking cancelled and insured with BriteCo instead for less than the prior year's premium |
| – | – | – | State Farm | Replacement ring cost about 10% more than original due to rising metal and diamond prices; appraisal buffer covered the gap with no extra cost |
| – | $45 | – | – | Writer pays about $45 a year for a separate personal-property policy covering her rings and other valuables |
| – | $120 | – | – | Added a separate jewelry rider through her insurance carrier for about $10 a month, covering full replacement of her 4-carat ring minus deductible. |
| – | $175 | – | – | Jewelers insurance covering 2 pieces including repairs; no insured value stated |
| – | – | – | – | Third-party account of a relative's 10ct yellow diamond ring, in a different setting, insured for just under $1 million |
| – | $3,000 | – | – | GIA-graded 4 ct center with 0.75 ct stones on each side; premium about 3k a year, so the owner, 75, plans to sell it next year and switch to a VVS1 lab stone |
| – | $75 | – | Progressive | Insured through the same company as car insurance; required the appraisal and IGI cert; that insurer typically covers jewelry appraised over $1000. |
| – | – | – | – | Added ring to homeowners insurance; says it raised the monthly bill by about $5-10, covering loss, damage or theft. |
| – | – | – | Lavalier | Insured through Lavalier shortly after getting engaged; no exact premium given, says price varies by deductible and discounts. |
| – | $60 | – | Jewelers Mutual | Got a separate jewelry policy quote of about $60 a year for the ring through the GEICO app. |
| – | C$200 | – | – | Pays about $200/yr extra on home insurance to cover a custom $10k ring against loss, theft, or the stone breaking out |
| – | – | – | State Farm | Original $27k ring was lost; replacement from a new jeweler was lower quality so a reduced payout was accepted |
| – | $600 | – | – | Natural diamond appraised similarly high to the asker's ring; this is the annual cost to insure it |
| – | £400 | – | – | Dedicated ring insurance quoted separately from home/contents cover |
| – | – | – | USAA | Insurer paid out the full appraised valuation, about twice the original purchase price, after the ring was stolen by a housekeeper |
| – | $6,000 | – | – | Writer paid a rider of over $500 a month in 2008 to insure the ring since homeowners insurance didn't cover jewelry |
| – | – | – | Assetsure | Insures the engagement ring separately through Assetsure for slightly more specific jewelry protections than home insurance, like covering lost stones. |
| – | – | – | TH Marsh | Insures the ring through jewelry specialist TH Marsh; says premiums typically run 1-4% of the item's value regardless of provider. |
| – | – | – | – | Added the ring to an already-comprehensive home insurance policy for about 0.1% of its value; a prior less comprehensive policy would have cost about 1.25% of its value. |
| – | – | – | – | Husband bought lifetime jewelry insurance through the selling jeweler for about $300 total, a one-time cost not annual |
| – | $30 | – | Jewelers Mutual | Insured her self-bought wedding band through Jewelers Mutual right after buying it in July 2024 |
| – | $111 | – | – | Paid $111 for a year of ring insurance |
| – | $20 | – | Jewelers Mutual | Switched to a $20-a-year Jewelers Mutual policy after an earlier quote near $900 a year seemed too expensive |
| – | $60 | – | Progressive | Paid about $60 for a full year of coverage through Progressive |
| – | $350 | – | Jewelers Mutual | Pays about $350 a year with Jewelers Mutual, includes free cleaning and inspection every six months |
| – | $100 | – | Jewelers Mutual | Zero-deductible Jewelers Mutual plan around $100 a year; a broken prong was repaired free by the original designer |
| – | $1,400 | – | – | Pays about $1,400 a year to insure her natural diamond ring at its actual replacement cost, more than the price of a nice lab-grown ring each year. |
| – | $110 | – | – | Standalone policy covers loss and damage |
| – | $48 | – | BrightCo | Insures two rings together for about $4 a month |
| – | $100 | – | – | Policy also covers loss, not just damage |
| – | $60 | – | – | Personal articles policy covering loss and theft for the whole year |
| – | – | – | – | Original ring was accidentally vacuumed up and discarded by a cleaning service; insurance paid for a replacement ring, no amount given |
| – | – | – | – | Reappraised after five years; the higher value raised the insurance cost by about $100 a year |
| – | – | – | Jewelers Mutual | Appraisal was about six years old when a piece was lost; insurer honored the current price of gold and paid out more than the old appraisal |
| – | $60 | – | Jewelers Mutual | $5,000 of coverage for $60/year; replaced a lost $300 band with no questions, then dropped the policy for being under a year old |
| – | – | – | State Farm | Lost diamond replaced at full appraised value; bought the replacement back through the original jeweler |
| – | $75 | – | Jewelers Mutual | Covers both the engagement ring and both wedding rings for about $75 a year |
| – | $75 | – | Jewelers Mutual | Pays about $75 a year for peace of mind |
| – | $112 | – | Jewelers Mutual | Covers engagement and wedding rings for about $112 a year with zero deductible |
| – | $120 | – | – | Insured both rings the first week after a previous uninsured ring was stolen; pays about $10 a month, now considering switching to Jewelers Mutual |
| – | $60 | – | BriteCo | Got coverage the day after getting engaged, paying $4.99 a month |
| – | $600 | – | Jewelers Mutual | Pays $150 a quarter covering two wedding rings and a pair of earrings |
| – | $30 | – | Homeowner's or renter's policy | Insured the engagement ring and wedding band together via a homeowners policy rider for about $30 a year |
| – | $120 | – | – | Added the ring to an insurance bundle for about $10 a month |
| – | £72 | – | – | Stated as about £6 a month; covers one free resizing and cleaning a year, paid in 3 installments. |
| – | $74 | – | Jewelers Mutual | Pays about $74 a year, recommended by others in the community |
| – | $72 | – | BriteCo | Policy for fiancee's ring, described as easy to set up and low-hassle. |
| – | $82 | – | – | Annual premium for the $7k ring, paid upfront yearly rather than monthly. |
| – | $80 | – | – | Annual premium for wife's ring, valued around $4k. |
| – | $200 | – | – | Paid $200 a year for a few years on an engagement ring policy years ago before dropping it |
| – | $1,500 | – | Jewelers Mutual | Engagement ring policy costs around $1,500 a year after a homeowners rider was not an option in her state |
| – | $200 | – | Jewelers Mutual | Her own wedding band insured for about $200 a year through the same policy |
| – | $110 | – | Jewelers Mutual | Husband's wedding band insured for about $110 a year through the same policy |
| – | – | – | – | After she lost her first natural ring, insurance paid for a replacement ring that cost 40k |
| – | $600 | – | Jewelers Mutual | Writer skipped Rare Carat's care plan and bought a standalone Jewelers Mutual policy directly for about $600 a year. |
| – | $50 | – | Homeowner's or renter's policy | Ring added to a homeowners policy for about 50 a year; value not given |
| – | $178 | – | Jewelers Mutual | Policy covers all her jewelry; she joined before appraisals were required and kept that status |
| – | $132 | – | – | Paid 11 a month while renting; now that they own a home the ring sits on the homeowners policy |
| – | $80 | – | Homeowner's or renter's policy | Covered on a homeowners policy for about 80 a year; value not given |
| – | $70 | – | BriteCo | Recalls paying somewhere between 60 and 80 a year; midpoint recorded; insured value not given |
| – | – | – | Jewelers Mutual | Lost a mined-diamond wedding band at home; Jewelers Mutual replaced it without dispute even though it never turned up, new ring arrived within about a month. |
| – | $81 | – | – | Engagement ring insured as a rider through her car insurance company for $6.75/month. |
| – | $40 | – | – | Added the ring as a rider on home insurance for about $40 a year; insured value not stated |
| – | $59 | – | – | Paid an annual premium to insure new rings against lost stones, loss and theft; an appraisal was recommended alongside the policy |
| – | $135 | – | BriteCo | Pays about $135/year, roughly 1% of appraised value, to insure two engagement rings plus a few gold bracelets together. |
| – | $770 | – | – | Combined premium covers her engagement ring plus a separate natural alexandrite ring |
| – | $54 | – | – | Quote to insure both her ring and her partner's ring together |
| – | $1,100 | – | – | |
| – | $200 | – | USAA | Rider added to a bundled home and auto policy; no separate deductible; writer says combined ring value is over six figures, no per-item breakdown given |
| – | $60 | – | Jewelers Mutual | Insures just one engagement ring via Jeweler's Mutual for $60/year, added onto a renter's/homeowner's policy |
| – | $120 | – | Jewelers Mutual | Insures a 1-carat engagement ring for $120/year with $0 deductible via GEICO/Jewelers Mutual |
| – | $175 | – | Jewelers Mutual | Insures engagement ring, both wedding bands and a bracelet together for $175/yr via Jeweler's Mutual; $100 deductible covered a prong repair |
| – | $30 | – | – | Adds ring coverage via a homeowner's policy rider for about $30/year |
| – | – | – | – | Ring stolen in a 1981 NYC mugging was replaced through her insurance |
| – | $70 | – | – | Pays this per year to insure the ring; insurer not named. |
| – | $80 | – | BriteCo | Insures engagement ring and wedding band together through BriteCo. |
| – | $360 | – | BriteCo | Own current annual premium. |
| – | $200 | – | Zillion | Wedding ring lost on vacation; insurer was kind through the claim and replaced it within three weeks |
| – | $60 | – | BriteCo | About $5 a month for dedicated jewelry coverage, chosen over adding it to a renters policy |
| – | £36 | – | – | Added to home insurance for about £3 extra per month; kept photos and receipt on file for claims |
| – | $132 | – | Jewelers Mutual | Combined policy covering the engagement ring plus both wedding bands together |
| – | £450 | – | – | Pays about £450/yr including extra cover for wearing the ring at work; jeweller valued it well above what was paid |
| – | $100 | – | Jewelers Mutual | Ring cost under $3k; insured for about $100 a year, covering everything from repairs to misplacing it; insured value not given |
| – | $80 | – | Jewelers Mutual | Insures her engagement ring and both of their wedding bands together through Jewelers Mutual for a combined $80 a year. |
| – | $150 | – | Jewelers Mutual | Engagement ring and wedding band insured together, 130% replacement coverage for loss or theft, bought at time of ring purchase and renewed yearly |
| – | $200 | – | – | Pays about $200 a year to insure her engagement ring and wedding band together |
| – | $85 | – | – | Insures a sapphire engagement ring for about $85 a year, covering stone replacement or repair if lost |
| – | $100 | – | BriteCo | Pays about $100 a year through BriteCo to insure fiancee's engagement ring |
| – | – | – | Chubb | Insured through JM temporarily before the final setting was done, planning to move coverage to Chubb after |
| – | – | – | – | One of two long-owned emerald rings (5.5 and 6.0 ct) chipped after about 30 years and was fixed through insurance |
| – | $500 | – | – | Buyer estimates insuring the 7.5-carat emerald ring she is deciding on would cost about $500 a year |
| – | $420 | – | Jewelers Mutual | Annual premium adds up over the years to more than the ring likely cost, but keeps paying it anyway |
| – | $170 | – | – | Cheaper annual insurance premium than the Jewelers Mutual quote discussed nearby |
| $50 | – | – | JC Penney | One-time $50 lifetime protection plan from the store where the ring was bought, not an annual premium; includes free cleaning and resizing. |
| $360 | – | – | – | Stated value on the repair ticket for insurance coverage came in far below what was paid for the band |
| $1,000 | – | – | – | 1940s heirloom ring, covered under a renters insurance jewelry rider |
| $1,000 | – | – | – | Has a $1000 unscheduled-items rider that would help cover lab diamond pieces; her original mined diamond, now in a pendant, is separately insured and required its own appraisal. |
| $1,280 | – | – | – | Husband's own ring insured together with wife's ring for $91/year combined; individual premium not broken out |
| £1,499 | – | – | H Samuel | 0.5ct diamond ring insured monthly since April 2023 at this value; shop refused refund/repair after a stone fell out and offered only in-store credit for this amount |
| $1,600 | – | – | – | Stated value on the repair ticket for insurance coverage came in far below the amount originally paid |
| A$2,000 | A$50 | 2.5% | JewelCover | Insured a ring set worth under $2,000 for under $50 a year after comparing JewelCover, QReport and Centrestone quotes |
| $2,500 | – | – | – | A fancy yellow diamond ring appraised in the mid five figures was stolen; the policy's rider had a hidden $2,500 claim limit despite the appraisal |
| £2,800 | – | – | – | Insured value for a bespoke ring made by a small family-run manufacturing jeweller |
| $3,000 | $36 | 1.2% | Jewelers Mutual | Ring appraised around $3k; insured with Jewelers Mutual for about $36 a year |
| $3,000 | – | – | – | Custom .68ct violet sapphire ring in rose gold, insured/valued around $3k though fiance likely paid less; both partners earn over $100k |
| £3,000 | – | – | – | Different inherited diamond ring; buyer's insurance replacement value for it |
| $3,000 | – | – | – | Custom $2,500 ring was lost about a year after the wedding; insurance paid out $3,000 |
| $3,200 | $50 | 1.6% | Jewelers Mutual | Insures the $3,200 ring at its purchase price for about $50 a year |
| $3,500 | $65 | 1.9% | – | Wife's ring insured alone would run $65/year with a $100 deductible ($70 without); combined with husband's ring for $91/year total |
| £3,600 | £190 | 5.3% | Assetsure | Assetsure quoted £190/yr to insure her fiance's men's ring for £3600, which felt disproportionately high to her |
| $4,000 | $40 | 1.0% | – | Appraised value; premium set at 1% of appraised value per year |
| $4,000 | $50 | 1.2% | – | Rider added to homeowners insurance for a ring that cost $3000 |
| $4,000 | $55 | 1.4% | Jewelers Mutual | Pays about $55 a year as a separate policy to cover a $4,000 ring |
| C$4,000 | C$68 | 1.7% | Jewelers Mutual | Insured a ring valued around $4k; policy covers travel and mysterious disappearance |
| £4,000 | – | – | – | Ring insured for £4k via home insurance as a named item, covered away from home too |
| $5,000 | – | – | – | 1ct VS diamond ring; this appraisal value used for insurance quotes though premiums vary by insurer. |
| £5,000 | – | – | – | Insurance certificate valued the ring above the price paid |
| $5,000 | $200 | 4.0% | – | Another buyer's boyfriend got an insurance quote for their roughly $5k ring that came out well under $200 a year |
| $5,000 | $60 | 1.2% | State Farm | Personal articles policy currently covers $5k of jewelry, not only the ring, for $60 a year |
| $5,000 | $36 | 0.7% | Homeowner's or renter's policy | About 3 a month added to home insurance for 5k of cover |
| £5,000 | £80 | 1.6% | Assetsure | Pays £80/yr to insure her ring for £5000 due to its proprietary cut, insured separately from home cover |
| $5,000 | $42 | 0.8% | BriteCo | Insured value about $5k; premium roughly $3-4 a month |
| $5,172 | – | – | BriteCo | Appraised at $5,172; chose BriteCo at about $75-80/year after another insurer quoted around $155/year |
| C$6,000 | C$80 | 1.3% | Jewelers Mutual | Full coverage policy; replacement value about $6k CAD |
| A$6,000 | – | – | – | Vintage second-hand sapphire ring bought for $2.5k, recently valued for insurance at $6k |
| £6,000 | – | – | – | Engagement ring stolen while she was in hospital; insured for true value, payout covered a replica replacement |
| $6,000 | $60 | 1.0% | Jewelers Mutual | Ring valued at about half of the asker's 12k ring, so roughly 6k; 60 a year |
| $6,000 | $100 | 1.7% | – | 100 a year for 6,000 of coverage; insurer not named |
| $7,000 | – | – | – | Lab diamond engagement ring insured; jeweler confirmed it was still worth $7,000+ despite being lab-grown |
| $7,000 | $99 | 1.4% | Jewelers Mutual | Insured value about $7k; ring was bought roughly 10 years before this comment. |
| $7,000 | – | – | – | After the natural centre chipped, the insured ring got a lab replacement stone and was then appraised for insurance at 7k |
| $7,000 | $109 | 1.6% | Jewelers Mutual | Ring got bent badly at work; insurer covered an entirely new band and setting |
| $8,000 | – | – | – | Combined valuation certificate for both the engagement ring and wedding ring; premium barely changed |
| $8,000 | $115 | 1.4% | – | Added to fiance's homeowners policy at this appraised value |
| $8,000 | $96 | 1.2% | – | Pays $8 a month for $8,000 of coverage |
| C$8,500 | C$133 | 1.6% | Aviva | Home-insurance add-on covering an $8,500 replacement value, no claims made |
| $8,500 | $118 | 1.4% | Jewelers Mutual | Pays $118 a year for $8,500 of coverage |
| $8,500 | – | – | Jewelers Mutual | One-time lifetime coverage fee of $600 pre-tax, not an annual premium; bought after weeks of comparing other insurers |
| £8,500 | £150 | 1.8% | TH March | TH March quoted about £150/yr just for the ring (part of a £255 total policy), valued at £8.5k, above what was paid |
| £9,000 | – | – | – | Ring insured well above the purchase price; hasn't been revalued in a while |
| C$10,000 | C$100 | 1.0% | Jewelers Mutual | Ring valued under $10k; premium came to just over this amount per year |
| C$10,000 | C$120 | 1.2% | – | Named the $10k ring separately on home insurance with a $500 deductible instead of a dedicated jewelry policy |
| $10,000 | $120 | 1.2% | – | Pays $120 a year for $10,000 of coverage, described as including lavalier-style items |
| C$10,000 | C$30 | 0.3% | – | Raised home policy jewelry coverage from $5,000 to $10,000 after getting engaged, for about $30 extra a year |
| $10,000 | $35 | 0.3% | – | Diamond ring added to homeowners policy as a rider at its appraised replacement value; also insures a separate watch |
| $10,000 | $72 | 0.7% | BriteCo | Insured a $10,000 ring through BriteCo for $6 a month |
| $10,000 | $144 | 1.4% | BriteCo | About 12 a month on a 10k ring with no deductible and cover for unexplained loss; moved from a homeowners policy that had a 1,000 deductible |
| $10,000 | $70 | 0.7% | BriteCo | |
| $10,000 | – | – | – | Insurer covers replacement at the $10k appraisal; writer says a natural equivalent would cost 10x that or more; purchase price undisclosed |
| $10,000 | – | – | – | A friend's diamond ring, insured for about $10,000, was lost; insurance covered the loss but she was still heartbroken |
| $10,000 | $75 | 0.8% | Progressive (auto policy rider) | Engagement ring and wedding band covered with a zero-deductible all-risk auto insurance rider |
| $10,000 | $125 | 1.2% | Jewelers Mutual | Appraised ring insured with same insurer as another buyer, lower premium for lower value |
| $10,300 | – | – | – | Mother-in-law had the 87-year-old heirloom OEC ring appraised and insured early in the marriage; policy was never renewed and lapsed |
| C$11,000 | C$300 | 2.7% | Jewelers Mutual | Buyer's own ring, valued at about half of the asker's |
| $11,000 | $110 | 1.0% | Jewelers Mutual | About $11k in jewelry insured for around $110 a year, roughly $10 per $1000 of value; one lump payment each August. |
| $11,000 | $134 | 1.2% | NJM | Appraised the engagement ring at $11,000 and insured it via a renters-insurance rider rather than a standalone jeweler policy |
| $11,000 | $113 | 1.0% | lavalier.com | Insured a custom 3.1ct natural cushion engagement ring for $113 a year on an $11,000 policy |
| $11,000 | $200 | 1.8% | – | Insured value similar to the asker's $11k ring; pays about $200/year with no deductible |
| $11,000 | – | – | – | A similar emerald-and-diamond ring in 10k gold, each stone roughly 1.5ct, insurance-appraised for reference |
| $11,913 | $173 | 1.5% | Jewelers Mutual | Current insured value; premium rose from $140 to $150 to $173 over three renewal years |
| $12,000 | – | – | – | Ring insured/appraised at $12,000; after theft the insurer's own jeweler replacement came to about $8,000, below the appraised value. |
| $12,000 | $120 | 1.0% | Jewelers Mutual | Pays 1% of insured value annually, about $120, implying roughly $12,000 in coverage |
| $12,000 | $100 | 0.8% | Jewelers Mutual | About $12k of jewelry insured for roughly $100 a year through Jeweler's Mutual; has not had to file a claim. |
| $12,000 | – | – | – | Brother's Costco ring got an agreed-value insurance appraisal well above the $7k purchase price. |
| A$12,000 | – | – | – | Insured at the $12,000 valuation after buying secondhand for $2000 and recasting into a new setting |
| $12,000 | $120 | 1.0% | – | Covers wife's ring (about $12k current value), the writer's wedding band, and other inherited gold/diamond jewelry together, about $10/month. |
| $12,000 | $100 | 0.8% | Jewelers Mutual | Buyer pays about $100 a year through Jewelers Mutual to insure a $12,000 ring |
| $12,000 | – | – | – | Original $3,000 diamond was insured for its $12,000 appraised value, paid out after it was lost |
| $13,000 | $96 | 0.7% | State Farm | Engagement ring, her wedding band and his band insured together under a personal articles policy rider. |
| A$13,500 | – | – | – | Insurer revalues the ring yearly to set the premium; currently valued about $13.5k |
| $14,000 | $140 | 1.0% | BriteCo | Buyer's own ring insured for its appraised value; premium about 1% of appraised value per year. |
| $14,000 | $432 | 3.1% | Jewelers Mutual | Pays yearly premium based on the ring's appraised value |
| $14,000 | $106 | 0.8% | – | Heirloom wedding set last appraised at $14k; insurance costs $106 a year, kept in a fire safe |
| $14,000 | $280 | 2.0% | Jewelers Mutual | |
| $14,200 | – | – | – | Heirloom ring from fiancé's grandmother, originally bought 1930s NYC, appraised this year for insurance |
| £15,000 | – | – | – | Inherited ring, insurance-valued at this figure; stone described as blue or possibly black diamond, disputed by buyers |
| $15,000 | – | – | – | Insurance is paying up to about $15,000 to replace a lost lab diamond engagement ring, restricted to purchasing through Brilliant Earth |
| $15,000 | $150 | 1.0% | Jewelers Mutual | Buyer estimates about $150 a year to schedule the asker's $15,000 ring at Jewelers Mutual's typical $10-per-$1,000 rate |
| A$15,000 | – | – | – | A friend's wedding and engagement rings were insured together for about $15k on a separate endorsement before being stolen in a burglary |
| $15,000 | $293 | 2.0% | Jewelers Mutual | Combined appraisal for their rings insured together |
| $15,000 | – | – | Jewelers Mutual | Ring bought in 2017 was lost on a trip years later; insurer replaced it at reconstruction cost |
| $15,000 | $300 | 2.0% | Jewelers Mutual | Jewelers Mutual quoted about $300/year to insure a $15k ring; writer chose Briteco instead, price not given |
| $16,000 | – | – | Jewelers Mutual | After her husband left, she was lowballed trying to sell the ring, then lost it and filed a claim; offered $16k store credit instead of cash, still pending approval |
| A$16,500 | – | – | QReport | Antique platinum ring bought for $11k in 2017; insured a bit above that; replacement value estimated $15k-18k; used to claim prong and band repairs |
| $17,000 | $180 | 1.1% | Jewelers Mutual | Insures her ring for $17k at $180 a year through Jeweler's Mutual, after the insurer replaced a previous ring she lost with no issues |
| £17,000 | £250 | 1.5% | TH March | A specialist insurer would charge roughly 200 to 300 a year to insure a 17000 ring. |
| £17,000 | £85 | 0.5% | – | Adding it as a named item on home insurance would typically cost about 70 to 100 a year extra instead. |
| $18,000 | – | – | – | After a 2000 platinum reset of the same gifted stone, the ring was insured at an 18k value |
| $18,000 | – | – | – | Inherited diamond made into wife's engagement ring by a jeweler; appraised then insured right away |
| $18,000 | $132 | 0.7% | State Farm | Homeowners jewelry rider at $7-15/month paid an $18k replacement check within 12 hours for a ring originally bought for $4k |
| $19,000 | $180 | 0.9% | Jewelers Mutual | Annual premium to insure a ring with a $19k replacement cost |
| $19,000 | $90 | 0.5% | BriteCo | Sapphire ring appraised at 19k; policy covers damage, loss and theft plus a yearly cleaning |
| £19,200 | – | – | – | Diamond sourced from the Caribbean plus platinum band and setting, insurance valuation over double the price paid |
| $20,000 | – | – | Travelers | 20k claim filed after losing the ring on a beach; insurer sent an investigator given the household's debt load; ring was later found under a hat and the claim was cancelled |
| £20,000 | £560 | 2.8% | TH March | TH March's initial quote to insure the ring at its £20k jeweller valuation |
| $20,000 | $175 | 0.9% | Jewelers Mutual | Insures her engagement ring plus both spouses' wedding bands together, about $20k total, for roughly $175 a year combined. |
| $20,000 | $200 | 1.0% | Jewelers Mutual | Latest insurance bill values the antique ring higher; premium runs about 1% of appraised value |
| $20,000 | $84 | 0.4% | – | A buyer's own unrelated ring is appraised at about $20k and costs roughly $7 a month to insure via a renters/homeowners policy add-on |
| $20,000 | $250 | 1.2% | Jewelers Mutual | About $250 a year for $20k of coverage with a $0 deductible |
| $20,000 | $180 | 0.9% | USAA | Wife's wedding set appraised at $20k for insurance purposes |
| $20,000 | $300 | 1.5% | Jewelers Mutual | Roughly 300 a year, no deductible, on over 20k of jewelry: a 7k engagement ring, a 5k wedding band, a Cartier ring and other pieces |
| $20,000 | – | – | – | Buyer's own 1.75 ct G color VVS1 old European cut engagement ring is appraised for insurance at $20,000 |
| $20,000 | – | – | – | Another buyer says their similar antique diamond ring is insurance-appraised at about $20,000 too |
| £20,000 | £400 | 2.0% | – | Pays around £400/yr to insure a £20k ring, now via home policy as a declared item, previously through Assetsure |
| £20,000 | £320 | 1.6% | Assetsure | Assetsure quoted £320/yr to insure the ring at its £20k jeweller valuation, versus TH March's £560 quote |
| $21,000 | $121 | 0.6% | BriteCo | Policy also covers repairs, including a planned re-tipping |
| C$22,000 | C$300 | 1.4% | – | Previously insured with two other companies at about $25/month combined, before Belair Direct refused |
| $22,000 | – | – | – | Required a standalone policy for the wedding/engagement ring beyond homeowners cover; also insures a large separate jewelry collection |
| $22,000 | – | – | – | Natural diamond ring set just insured for almost $22,000 |
| $23,000 | $224 | 1.0% | – | Premium tacked onto homeowners policy; unsure if it covers loss away from home |
| C$24,000 | C$400 | 1.7% | Jewelers Mutual | Covers loss, theft and damage including overseas travel |
| C$24,500 | C$500 | 2.0% | – | Home insurance quote felt too high; considering a more realistic appraisal instead |
| $24,860 | – | – | – | Combined insured value for a 2.58 ct oval lab solitaire worn together with two mined-diamond anniversary bands (3 ct total) |
| $25,000 | – | – | – | Insured wife's ring for about its $25k appraised replacement value; no premium or insurer named |
| $25,000 | $200 | 0.8% | – | Insures about $25k of jewelry for roughly $200/year |
| $25,000 | $240 | 1.0% | – | Pays about $20/month ($240/yr) for $25k jewelry coverage including both rings |
| £25,000 | – | – | – | Ring covered under a home policy for up to 25k of jewelry, no extra premium mentioned |
| A$26,000 | A$750 | 2.9% | – | Corrected the ring's insured value down after being asked whether it was worth $50k+ to justify the premium |
| A$27,117 | A$813 | 3.0% | JewelCover | Quoted about $67.74/month but would only insure the ring for $27,117, below the $34,500 appraisal |
| C$28,000 | – | – | – | Pays less than $60 a month for coverage on a ring insured at $28k |
| C$30,000 | – | – | – | The person asking wants to insure a GIA-certified natural diamond ring she values at this amount, but has not yet gotten an independent appraisal |
| $30,000 | – | – | – | Engagement ring appraised around $30k the year before; writer pays an extra couple hundred a year to insure it via a homeowners rider |
| $30,000 | – | – | Jewelers Mutual | Lost a ring valued at $30,000; home insurer nearly dropped her over the claim, so she moved coverage to Jewelers Mutual |
| $30,000 | $200 | 0.7% | – | Combined insured value for the engagement ring and wedding band together, insured just before the wedding and honeymoon travel |
| $30,000 | – | – | – | Insured for more than 30k; GIA diamond bought wholesale via a manufacturer 20+ years ago with joint funds; after divorce she says it cannot be sold |
| $32,000 | – | – | – | Buyer's own natural pink sapphire has a $32,000 replacement/insurance value, cited to illustrate real large-sapphire worth |
| $33,000 | – | – | – | Cites a $33k replacement cost as the reason insurance is worth the premium |
| $33,000 | – | – | – | Engagement ring and band set insured for $33,000 combined; only worn occasionally, couldn't afford to replace otherwise |
| $34,835 | $452 | 1.3% | Jewelers Mutual | Current insured replacement value on a ring originally paid $28k a few years earlier |
| £35,000 | £636 | 1.8% | Stanhope | The person asking, who paid $22k USD for the ring, insured it (appraised at £35k) worldwide against accidental damage and theft for £53 a month, about £636 a year. |
| $35,000 | $550 | 1.6% | Jewelers Mutual | Buyer's own ring |
| $35,000 | – | – | – | Insured replacement value rose about $13k over 5 years to $35k; writer says she could never come up with that much herself |
| $37,000 | – | – | – | Writer's own diamond ring insured at this value, cited to argue natural diamonds appreciate |
| $39,000 | $1,000 | 2.6% | – | Platinum natural diamond bridal set insured for the appraised value; paid roughly $1,000/year for about 20 years |
| $40,000 | $264 | 0.7% | – | Rider on homeowners policy in Delaware; combined appraised value covers two rings plus her husband's watch |
| $41,000 | $1,100 | 2.7% | – | Homeowners insurer stopped writing personal policies in California, so writer took a standalone policy for a $41,000 diamond |
| $43,000 | $700 | 1.6% | Jewelers Mutual | The asker's own ring, insured after the appraisal prompting this post |
| $45,000 | $500 | 1.1% | Jewelers Mutual | Zero-deductible policy covering roughly $45k across all of the writer's jewelry, not just the ring; covers loss |
| $46,000 | $1,000 | 2.2% | – | Pays $1,000/year on top of contents insurance for $46k of jewelry coverage; says they'll shop around |
| $50,000 | $25 | 0.1% | – | Insured through an umbrella policy rather than standalone jewelry insurance; premium described as very cheap |
| $50,000 | $750 | 1.5% | Jewelers Mutual | Policy also covers simple loss, not just theft; writer calculates the premiums add up to about a full replacement cost after many decades |
| $50,000 | $100 | 0.2% | State Farm | Wife's engagement ring insured for its $50k replacement value |
| $50,000 | – | – | – | 3.18ct cushion cut; now looking to sell after divorce; what he originally paid is unknown to her |
| $50,000 | $720 | 1.4% | – | Bundled into homeowners policy; writer estimates up to about $60 extra a month but was not fully sure of the exact figure |
| $50,000 | – | – | Jewelers Mutual | Appraisal supported insuring the loose antique stone at roughly this value for replacement purposes |
| $54,000 | $100 | 0.2% | – | Rider on homeowners policy; under $100 a year total also covers a separate $50k pendant, so premium is an upper bound for this ring alone |
| $56,000 | – | – | – | Inherited ring's insurance appraisal came in at $56k; buyers call this inflated well above real resale value |
| $65,000 | $600 | 0.9% | – | Ring insured for $65,000 via a homeowners rider for about $600 a year; Jewelers Mutual had quoted about $1,100 instead |
| $70,000 | $360 | 0.5% | – | Insured for well above the $49k purchase price, as one of over a dozen pieces on the same policy |
| $85,000 | – | – | – | Insurance paid out about $85k after her padparadscha sapphire cracked and could not be recut; claim was verified at a third-party GIA lab before payout |
| A$180,000 | A$7,200 | 4.0% | – | Insured at the $180k valuation for about $600 a month; now divorced, she kept the ring |
Appraisals
301 buyers gave an appraised value. The table lists them with the price paid when they gave it.
| Paid | Appraised | Stone | Carat | What happened |
|---|---|---|---|---|
| – | – | Not said | 1 ct | Reappraisal after a resizing showed the ring's platinum weight fell from 7.8g to 5.5g and the appraised value dropped $800; jeweler blamed wear |
| – | – | Lab-grown diamond | – | Two weeks after the proposal, the fiancée's cousin, a jeweler doing the resize, valued the James Allen lab ring at 10 to 20 percent of what he paid |
| – | – | Natural diamond | – | 2015 estimate for her halo engagement ring with pink accent diamonds; buyers read the center as near 1 ct H SI1; the value appears only in the image |
| – | – | Not said | – | Insurance replacement appraisal came back at 3.5x what the person asking actually paid for the custom-made ring; both dollar figures were redacted by the person asking |
| – | – | Not said | – | Appraiser valued the ring about $200 below what her fiance actually paid for it, seemed like a lowball rather than a scam |
| $2,000 | – | Not said | – | Ring bought for about $2k was appraised at about $1,500 before being listed for resale. |
| C$2,250 | – | Not said | – | 1870s vintage ring appraised above its $2k-2.5k purchase price; exact appraisal figure not given |
| – | – | Natural diamond | 1.25 ct | Ring built on a 900 pawn-sourced old-cut stone, recut and set by a jeweler, appraised at roughly four times his total outlay |
| – | – | Not said | – | Bought the ring site-unseen online; a third-party jeweler later valued it a little higher than what was paid, no figures given |
| – | – | Not said | – | Costco engagement ring appraised for more than what was paid, no figures given |
| – | – | Not said | – | Costco engagement ring appraised for a lot more than the purchase price, no figures given |
| – | – | Not said | – | Costco ring and band appraised for more than the purchase price, no figures given |
| – | – | Natural diamond | 2.55 ct | Gemologist offered to set the appraisal at either $30,000 or $14,000 for the same 2.55ct round natural diamond, purely based on preference |
| – | – | Not said | – | Wedding set bought at Costco appraised for roughly double what was spent; exact figures not given |
| £2,000 | – | – | – | A recent insurance appraisal valued the ring lower than the roughly £2,000 the writer remembers paying |
| – | – | Not said | 1 ct | Platinum solitaire from 2006 lost $1,200 in appraised value after a routine resize; appraiser doubted real wear loss and suspected a new setting |
| $4,000 | – | Lab-grown diamond | 1 ct | Independent local jewelers appraised the same ring far lower, in the $100 to $300 range, questioning the center stone |
| – | – | Not said | – | A local jeweler lowballed the insurance appraisal because the receipt and papers were in Japanese; a jeweler in Edmonton then valued it properly |
| – | – | Lab-grown diamond | – | Her long-time jeweler appraised lab diamonds she bought online above what she paid, and admitted she beat his own prices |
| – | – | Lab-grown diamond | – | Insurance appraisal of her lab diamond came in at twice the purchase price |
| – | – | Lab-grown diamond | – | The jeweler who made the lab ring gave an appraisal roughly equal to its cost, used as the insurance replacement value |
| – | – | Not said | – | James Allen's included appraisal came in above the purchase price; an independent appraisal nearly matched it and the insurer accepted it |
| – | – | Lab-grown diamond | – | Lab ring bought at Brilliant Earth appraised well above its purchase price afterward |
| – | – | Lab-grown diamond | – | Lab ring appraised for insurance soon after purchase at about the price paid |
| – | – | Not said | – | Says her engagement ring gained value; it was formally appraised for a rider on her homeowner's insurance |
| – | – | Not said | – | Buyer nearly scrapped an unrelated ring for its gold value, but an appraisal showed it was worth a few thousand dollars; advises always appraising before scrapping jewelry. |
| – | – | Not said | – | Grandmother's ring: first appraiser lowballed it; after proper cleaning, a second appraisal came in $10,000 higher |
| – | – | Other | 3.36 ct | A second gemologist recommended insuring the ring for $9,000-$15,000 instead of the full $28,740 appraisal, citing a large inclusion and so-so cut |
| – | – | Natural diamond | – | Jeweler told this owner their natural diamond bought about 20 years earlier would now resell for roughly what they originally paid, thanks to inflation |
| $25,400 | – | Natural diamond | 2.02 ct | Appraised at $48,000 but writer doubts she could actually resell for that; might only recoup the $25,400 originally paid |
| – | – | Not said | 2.68 ct | Had a 2.68 ct oval diamond ring appraised for insurance; the appraiser recommended six prongs so the stone stays put if one breaks. |
| – | – | – | – | A more recent appraisal came in higher than $16k (the inflation-adjusted 1958 value); the 14k setting alone appraised at $2,500 |
| – | – | – | – | Writer recalls the appraisal at roughly 13000 to 16000, insurable value not resale value, exact figure unsure |
| – | – | Not said | – | Costco ring appraised at more than twice its purchase price when insured, then appraised even higher again years later |
| – | – | Not said | – | GIA appraisal came back at about 1.5x what her fiance actually paid, though the paid amount itself wasn't given |
| – | – | Natural diamond | 5 ct | 5ct natural heirloom diamond now reckoned worth about one-fifth of its purchase price from 30 years earlier |
| $2,500 | – | Lab-grown diamond | – | Insurance appraisal came in higher than the $2500 paid; exact appraised figure not given |
| – | – | Not said | – | Jeweler appraised the ring for noticeably more than the purchase price to account for rising replacement cost |
| – | – | Not said | – | A 40-year-old ring she calls eye-flawless is now worth under a quarter of what her ex paid |
| – | – | Natural diamond | – | Self-estimated a 16-year-old natural ring, bought for a 5-figure sum, is now worth roughly half to two-thirds of that thanks to the store's name |
| – | – | Lab-grown diamond | – | Estimated a lab ring bought 2 years earlier, at a small fraction of the natural ring's cost but over double its size, is now worth about a quarter of what was paid |
| – | – | Natural diamond | – | Appraisal showed the diamond bought in 2010 would resell for only about a third of what was paid |
| $5,750 | – | Not said | – | Upgrade bought for 5.5-6k (pre-set center at a low price, setting on sale) appraised at three times what they paid |
| – | – | Natural diamond | – | Had a natural-diamond engagement ring appraised and was surprised how low it came back; jeweler blamed falling natural-diamond prices from lab-grown competition; ring was kept |
| – | – | Natural diamond | – | Buyer says their 25-plus-year-old diamond piece would now resell for only about a tenth of what was originally paid |
| – | – | Other | – | The remade earrings were appraised after the jeweler was slow to return them; no appraised value was given |
| – | – | Natural diamond | 2 ct | Bought a 2ct natural marquise about 20 years ago as a retirement gift; a recent appraisal valued it at roughly a quarter of what she paid, which she blamed on lab diamonds pulling down natural resale |
| – | – | Other | – | Custom-designed sapphire ring appraised well above the jeweler's own conservative in-house figure and above what was paid; insured at the new higher appraisal. |
| $850 | $5 | – | – | Tried to resell her $850 Darry Ring after a breakup and learned the stone was just a common crystal and the silver band worth only about $5 |
| – | $10 | Lab-grown diamond | – | Buyer's rough estimate that the synthetic pink sapphires in the post were worth about $10 each, more without facet damage |
| – | $13 | Lab-grown diamond | – | Lab-created ring bought for an unspecified 'hundreds' of dollars; resale check valued it at about $13 |
| $5 | $66 | Not said | – | Jeweler weighed the identical 14k thrift-store ring (CZ center) at 1.9g, 57.59% gold, valuing the gold content alone |
| – | $80 | Natural diamond | 0.5 ct | Half-carat yellow diamond pendant appraised at $80 by one jeweler, who then offered $160 toward one of his own stones, in the 1970s |
| $6,000 | $100 | Natural diamond | 0.08 ct | Buyer's informal estimate implying the stone is worth only about this much against the $6,000 the person asking paid |
| $6,000 | $100 | Natural diamond | 0.08 ct | Says realistically a buyer might be lucky to get this much for an uncertified small pink stone like this |
| – | $250 | Natural diamond | – | A jeweler buyer estimated the stone (likely more like G color, SI2/I1 clarity than stated) could be worth around this much |
| – | $280 | Other | – | Jeweler informally valued a ruby ring's gold content at about $280, done for free, a few years before the comment |
| – | £300 | Not said | – | Same inherited ring's scrap-metal value estimate, far below its insurance figure |
| $10,000 | $500 | Lab-grown diamond | – | Told the lab diamond he'd bought for $10k was now worth well under $500, after paying his ex $5,000 in a divorce to keep it |
| £100 | £500 | – | – | Emerald-and-diamonds ring bought at Cash Converters for under £100, thought to actually be worth around £500 since the shop doesn't yet value stones |
| $2,000 | $500 | Natural diamond | – | Buyer paid $2,000 on a cruise ship for a diamond marketed as natural blue; a later appraisal found it treated and worth about this much |
| – | $549 | Not said | – | A buyer estimated the setting/gold value alone, excluding the diamond, at $449-649 depending on ring size and gram weight |
| – | $550 | Natural diamond | 0.5 ct | Same half-carat yellow diamond pendant appraised at $550 by a second jeweler, who then mounted it, in the 1970s |
| – | $550 | Lab-grown diamond | 1.59 ct | Later estimate of $500-600 for the ring, wrote after the person asking had already sold the band alone for $551 |
| $100 | $600 | Not said | – | Pawn-shop diamond ring bought for $100 by her husband; a jeweler appraised it at $600 to confirm the stone was a real diamond |
| – | $650 | Natural diamond | 0.5 ct | Same buyer separately estimated the 0.5ct marquise diamond alone at $500-800 |
| – | $700 | Not said | 0.38 ct | 0.38ct 14k gold solitaire ring appraises at $700 |
| – | $700 | Lab-grown diamond | 1.59 ct | Community estimate of $600-800 for the whole ring (14k band plus 1.59-ct lab stone) before the person asking decided to keep the stone |
| $500 | $750 | Not said | – | The asker's wedding/marriage band, 18k rose gold, paid about $500, appraised higher afterward |
| – | $900 | Not said | – | Informal jeweler evaluation of an inherited ring years before a financial hardship; center stone was thought to be tourmaline with white sapphire side stones |
| £100 | £1,000 | – | – | Bought at a flea market, later found to be worth far more than paid |
| – | $1,000 | Natural diamond | 0.8 ct | A jeweler said the stone would be worth about this if recut around a visible inclusion, but declined to buy it; no other buyers interested |
| – | $1,200 | Natural diamond | – | An arts-and-crafts era diamond ring appraised at $1,200 at Perry's due to a chip in the stone |
| $2,500 | $1,250 | Not said | – | Shopped 5 stores for insurance appraisals; the lowest came back at half what he paid. |
| $8,050 | $1,400 | Lab-grown diamond | 10 ct | An online tool's estimate of resale proceeds if sold instead of returned; the person asking unsure if the tool is accurate |
| – | $1,500 | – | – | Original 1958 appraisal document for the inherited ring, from the asker's great-uncle |
| – | $1,500 | Not said | – | Free heirloom ring from husband's family; appraised around $1,500 for insurance, writer doubts it would actually resell for that |
| £870 | £1,500 | – | – | Jeweller wrote an insurance certificate valuing it above the purchase price |
| £400 | £1,500 | – | – | Bought through a jeweller contact, later estimated well above the price paid |
| – | $1,500 | Not said | 0.5 ct | Seller's stated appraisal for the half-carat center CBI diamond alone, separate from the setting |
| – | $1,500 | – | – | Forum estimate of current resale worth: roughly $1000 for the diamonds plus $500 for the gold. |
| – | $1,520 | Not said | 0.5 ct | Seller's appraisal for the two ideal-cut side stones combined, when relisting the ring |
| – | $1,530 | Not said | 0.5 ct | Seller's updated appraisal for the center CBI diamond alone when relisting |
| – | $1,600 | – | – | Writer's own gold-value estimate for their 24k band now, up from about $800 in gold value at purchase |
| $12,000 | $1,750 | Natural diamond | 1.5 ct | Ring bought 4 years earlier for about 12k, now estimated worth roughly 1500-2000 |
| – | $1,800 | Not said | 1.5 ct | Writer says a 1.5ct pear diamond set in a 14k pinky ring was appraised at this value |
| $350 | $1,850 | Other | – | Thrifted sapphire ring appraised well above what was paid for it |
| – | $1,950 | Natural diamond | 0.8 ct | Jeweler appraised the found 0.8ct I2 F-color diamond ring at $1500-2400 insurance replacement value; also paid $50 to have it polished |
| – | $2,000 | Other | – | Re-appraisal of the same gifted ring for insurance came back a third lower than the earlier figure. |
| €5,000 | €2,000 | Not said | – | A friend's engagement ring, appraised by a jeweler at about 40% of what her ex originally paid, after their relationship ended |
| $10,000 | $2,000 | Not said | – | Buyer says a diamond they bought for $10,000 is now worth only around $2,000, calling it a waste of money |
| $16,000 | $2,000 | Natural diamond | – | Jeweler told a recent divorcee her ex's $16k+ natural diamond wasn't worth even $2k today |
| – | $2,000 | Natural diamond | – | Wedding band with seven small natural diamonds in 14k gold; insurance appraisal figure |
| – | $2,375 | Not said | 0.5 ct | Auction site valued the 0.5ct pear fancy yellow VS2 diamond at $2,250-$2,500; the person asking actually paid only €550 for it by mistake |
| – | $2,500 | Natural diamond | 0.5 ct | Family friend's resale appraisal on an inherited 1/2 carat natural diamond ring with inclusions in 14k gold |
| – | $2,500 | Not said | 0.75 ct | Current appraisal for a vintage marquise ring gifted to the writer by her mother, who originally bought it secondhand |
| – | $2,500 | Not said | – | A pawnbroker later found the small stones were actually European mine-cut diamonds and valued the ring higher than the earlier jeweler estimate |
| $6,000 | $2,500 | Natural diamond | 0.08 ct | Guesses the stones are worth no more than about this much, well under the $6,000 per stone paid |
| – | C$2,500 | Not said | – | Engagement ring and wedding ring together worth just over CAD $2,500, per owner's own estimate |
| $798 | $2,750 | Lab-grown diamond | 3 ct | Jeweler appraisal for the loose lab diamond came in between $2,500 and $3,000, against the $798 purchase price |
| – | $2,750 | Not said | 1.95 ct | The ring's insurance card listed an estimated replacement value, covering roughly 100 small diamonds totaling 1.95-2.04ct; buyers said this has no bearing on actual resale value |
| £750 | £3,000 | – | – | Bought at auction, later valued well above the price paid |
| – | $3,000 | Lab-grown diamond | 3 ct | Estimated current worth of the 3ct lab asscher stone she traded up from |
| – | $3,000 | Lab-grown diamond | – | Buyer's lab diamond, bought around 2016 near $55k in value, was reappraised recently at just $3k |
| – | $3,000 | Natural diamond | 3.16 ct | Realistic private-sale estimate, could reach up to $5,000 with the right buyer |
| – | $3,000 | Not said | – | Insurance-style appraisal came in over $3k, far above what buyers would actually pay |
| – | $3,000 | Not said | – | Grandmother's wedding ring given a verbal appraisal of $3,000 |
| – | $3,500 | Other | – | First insurance appraisal of a gifted diamond-and-tourmaline ring, about 5 years before the second appraisal. |
| – | $3,500 | Natural diamond | 3.16 ct | Quick-sale estimate to a jeweler: about $2,500 for the stone plus $1,000 for the mounting |
| – | $3,500 | Not said | – | Heirloom engagement ring and band set valued around 3000-4000, no price ever paid by the writer's couple |
| $4,000 | $3,600 | Lab-grown diamond | 1 ct | Seller's stated appraisal value for the $4,000 halo ring |
| – | $3,750 | Natural diamond | 3 ct | A local jeweler's rough estimate to remake an identical ring today, ranging $3,500-$4,000; used by the seller as a resale pricing reference. |
| $798 | $3,750 | Lab-grown diamond | 3 ct | A second jeweler, known to his girlfriend's family, said the same stone would sell for $3,500 to $4,000 |
| – | $4,000 | Not said | 0.22 ct | The asker's own estimate of value for a platinum/white gold Tacori wedding band set with 46 small diamonds, after a broken engagement |
| – | 4,000 | Natural diamond | – | Writer says her roughly 1-carat natural diamond ring is worth about $4,000 |
| – | $4,000 | Not said | – | 18k white gold ring just under 1 carat, appraised at this value; writer suggested lab diamond as a budget-friendly alternative |
| – | $4,000 | Not said | – | Inherited a similar cocktail ring from her grandmother and had it appraised at $4,000 |
| – | £4,000 | Not said | – | A buyer's own piece was insurance-valued at 4000 before they tried to sell it. |
| – | $4,500 | Not said | – | Great-grandmother's ring, given by her grandfather about 100 years earlier; appraised at this value |
| $1,400 | $4,500 | Not said | 0.7 ct | The writer's daughter bought a pre-owned AGS triple-zero G SI1 diamond; its appraisal came in well above the price paid |
| £2,250 | £4,500 | – | – | Secondhand Art Deco platinum ring from an antique dealer, appraised at double the price paid |
| – | $4,500 | Lab-grown diamond | 1.04 ct | Appraisal after upgrading center stone from .78 to 1.04 ct lab grown oval seemed low to the owner; jeweler had it redone free of charge |
| – | $5,000 | Not said | – | The asker's engagement ring from her first marriage was appraised at over $5,000 about 30 years before this post |
| $3,300 | $5,000 | Not said | – | Appraised by the same jeweler who made the ring, valued about 50% above the purchase price |
| – | C$5,000 | Natural diamond | 1 ct | Writer's parents bought this 1ct emerald-cut ring in 1941; it was appraised at $5k in 1975 |
| – | $5,000 | Not said | – | Says their own ring is under 2 carats and appraised at roughly $5,000, though given only as a rough figure |
| – | $5,000 | Natural diamond | 1 ct | 1ct total pave diamond spacer band appraised around this value; what was actually paid for it is unknown to the person asking |
| – | $5,000 | Not said | – | Engagement ring from her first marriage appraised at about 5k |
| – | $5,000 | Not said | – | A hand-me-down engagement ring, never bought by the writer, was appraised recently at $5,000 |
| $30,000 | $5,000 | Not said | – | A jeweler said the ring's low-quality center stone and proprietary cut made it only worth about $5,000 retail versus the $30,000 paid |
| – | 5,000 | Natural diamond | 1 ct | Bought locally outside the US; writer unsure of the exact purchase price; later appraised at this value |
| $3,500 | $5,000 | Lab-grown diamond | 3.6 ct | Ring costing about $3.5k total (price-matched stone plus custom band) appraised at $5k |
| – | $5,100 | Not said | – | Family heirloom three-ring set (engagement ring, her band, his band) appraised at $5100 amid a $5800 repair quote |
| – | A$5,300 | Natural diamond | 0.6 ct | Antique three-diamond ring inherited via a will; the appraisal itself cost $260, done for retail replacement purposes |
| – | 5,350 | Natural diamond | 1.89 ct | Appraised by a graduate gemologist, cited alongside the discounted asking price |
| – | $5,900 | Not said | 0.85 ct | Free heirloom oval diamond ring, F color VS2, appraised at this value; cathedral setting on a gold band |
| – | $6,000 | Natural diamond | – | Appraised value of the worn platinum channel-set eternity band, used to weigh whether an $1,800 rebuild quote was reasonable |
| – | €6,000 | Other | 3.36 ct | Sotheby's auction estimate for a lightly heat-treated 3.36ct Burma ruby ring with untested diamond side stones |
| – | $6,000 | Natural diamond | – | New appraisal decades later, sharply down from the original 1990s appraisal of $50,000. |
| £3,000 | £6,000 | – | – | Custom-made ring through an independent jeweller, insurance valued it at roughly double the price paid |
| $2,500 | $6,000 | Not said | – | Ring bought for 2500 in the early 1990s, reset with added stones, now appraised at 6k; she stresses this is not what it would sell for |
| – | $6,250 | Natural diamond | 1.15 ct | Local jeweler appraised a 1.15ct diamond pendant (believed natural, likely 1980s) at $4,750-$7,750 for insurance purposes |
| C$85 | C$6,500 | Other | 5.75 ct | Won a square cushion-cut emerald at auction for $85 CAD; it came with a $6,500 CAD insurance appraisal that buyers said was wildly inflated for what looked like a dyed, low-quality or fake stone |
| – | $6,700 | Natural diamond | 1.9 ct | Same appraiser's lower suggested list price if the stone came back graded K color SI1 clarity instead |
| $900 | $6,800 | Lab-grown diamond | 3 ct | Writer claims the same lab-diamond setup would resell through a markup reseller for well above what he paid |
| – | $7,000 | Not said | – | Repairing jeweler's informal replacement-value quote of $6k-8k for the heirloom's center stone, midpoint used; ring is not insured |
| – | $7,000 | Not said | – | Inherited grandmother's diamond ring; appraised over $7,000 due to size and sparkle |
| – | $7,000 | Other | – | Sapphire-center engagement ring appraised at almost $7k about a decade before the comment; price actually paid is not known |
| $5,700 | $7,000 | Not said | – | Appraisal reflects cost to replicate the antique ring with modern materials |
| £4,000 | £7,000 | – | – | Paid trade price for the diamond, independent insurance valuation came in well above cost |
| – | $7,000 | Natural diamond | 3.5 ct | 1920s diamond-and-platinum ring inherited from a great-aunt; appraised for insurance purposes, not resale. |
| £4,500 | £7,500 | – | – | Post-purchase valuation from the maker came in well above the price paid |
| – | $7,500 | Not said | – | Grandmother's platinum heirloom ring appraised between $7,000 and $8,000; midpoint used here |
| – | $7,500 | Not said | 1.68 ct | Costco cluster/halo ring received as a Christmas gift 3 years earlier; appraisal listed clarity VS1, color H |
| $6,000 | $7,700 | Natural diamond | 0.08 ct | Estimates current wholesale value per stone assuming it's laser-inscribed and can be matched to an Argyle certificate |
| – | $7,850 | Natural diamond | 1 ct | Insurance appraisal done by the jeweler who made the ring for the asker's mother in 1999; the person asking suspects it was inflated |
| – | $8,000 | Natural diamond | – | Estimated updated insurance appraisal value; obtaining it would cost about $100 |
| – | $8,000 | Not said | 1 ct | Heirloom 1 ct old European cut round center with 2 baguettes and 12 small diamonds in platinum; paid only $200 resizing plus $100 appraisal fee |
| – | $8,000 | Natural diamond | 2 ct | Old 2ct natural diamond ring appraised before trading it in toward an upgrade to lab-grown |
| – | $8,000 | Natural diamond | 1 ct | Writer's mother's 1ct G-H VVS2 ring appraised at $8,000 in 1994, before any resale |
| – | $8,000 | Natural diamond | 1.2 ct | Ex-husband got an $8000 appraisal on her 1.2ct natural diamond ring for the divorce asset split, almost 30 years before the comment |
| – | £8,000 | Not said | – | Writer's own most recent piece was valued at 8000. |
| – | $8,000 | – | – | 1995 replacement-cost appraisal for a 14K gold ring with a 1.02ct I1/I center and 0.86ct total side diamonds. |
| – | $8,500 | Not said | 1.2 ct | Wholesale replacement value appraisal on the daughter's marquise ring obtained before deciding whether to sell |
| – | $8,500 | Not said | – | Considered reselling; retail value cited as $8.5k with about $6k expected in resale, but ultimately kept the diamond and had it reset into a pendant instead |
| – | $8,500 | Natural diamond | 1.9 ct | Appraiser's suggested list price for the unmounted stone alone if certification came back J color SI1 clarity |
| – | £9,000 | Natural diamond | 1.5 ct | Licensed-assessor insurance valuation for a 1.5ct SI2/K oval solitaire bought over a decade earlier, after an engagement ended. |
| – | $9,000 | Natural diamond | 1 ct | Writer's mother's 1ct G VVS2 diamond was appraised for this value in 1994 |
| – | $9,000 | Natural diamond | 1.3 ct | Center stone alone was appraised at $9,000 at time of purchase, an I1-clarity stone with a well-hidden inclusion |
| – | $9,000 | Natural diamond | – | Heirloom from her husband's grandmother, just under 1 ct in platinum with two tapered baguettes, made by a great-great-uncle; appraised at about 9k at the time |
| – | $9,000 | Natural diamond | – | Replacing the natural center stone with the same shape/color/quality/size would cost $8,000-$10,000; not what it would resell for |
| $3,000 | $9,000 | Not said | – | Heirloom ring reset; fiancé paid $3k in labor only, ring appraised at over $9k current value |
| – | $9,500 | Not said | 2.5 ct | Own ring, 1.64ct center plus melee totaling 2.5ct, appraised value cited as comparison for the asker's ring |
| – | $9,500 | Natural diamond | 0.75 ct | Insurance appraisal that came with the asker's vintage Gabriel & Co platinum halo ring, 3/4 ct center stone; buyers say resale will land far below this |
| $5,400 | $10,000 | Not said | – | Appraised at purchase, used as the initial basis for insurance coverage |
| – | $10,000 | Not said | – | Ring privately appraised for just under $10,000 in 2018; a later theft claim settlement offer came in lower than this appraised value |
| – | 10,000 | Other | 3.36 ct | A second independent gemmologist's valuation of the same ruby ring |
| – | $10,000 | Not said | 1.02 ct | GIA-certified 1.02ct cushion-cut ring, band and stone appraised at just under $10k by the same jeweler who supplied them; now trying to sell after a breakup |
| – | $10,000 | Natural diamond | 3.25 ct | A jewelry-experienced buyer estimated the inherited old European cut diamond's loose retail value and flagged it needs insuring |
| – | $10,000 | Natural diamond | 3.25 ct | Another buyer separately guessed the same inherited stone would fetch about 10k if sold |
| $1,000 | $10,000 | Natural diamond | 2 ct | Appraisal on a ring bought in 1956 for $1,000 |
| – | $10,000 | Natural diamond | – | Family heirloom mined diamond used in writer's reset ring was valued at $10k; a lab-grown equivalent would reportedly run under $5k |
| – | £10,000 | Natural diamond | – | A buyer's ex-fiancee's engagement ring was valued at £10k about ten years before this post. |
| – | $10,500 | Lab-grown diamond | 6 ct | Nearly 6ct lab diamond called 'perfect'; no purchase price given |
| – | $10,800 | Natural diamond | 1.17 ct | 1.17ct F SI2 excellent-cut round GIA stone appraised together with a 950 band; buyers later said strong fluorescence made this too high |
| – | $10,995 | Natural diamond | 1.5 ct | Local jeweler's insurance appraisal (no GIA cert) valued a found pear diamond at $10,995 replacement value; specs later disputed by GIA |
| – | $11,000 | Not said | – | Husband's ring appraised at $11k; she wears it daily and is now shopping for insurance |
| – | $11,000 | Natural diamond | – | The asker's own estimate that a current insurance appraisal could reach $11k, while an actual sale would bring far less |
| – | $11,000 | Natural diamond | – | Buyer's estimated appraisal value range was $10,000-$12,000; midpoint recorded |
| $660 | $11,000 | Other | – | Bought a secondhand emerald ring from an estate liquidator for $660, expected retail around $2-3k, but appraisal came back at $11k |
| – | $11,000 | Natural diamond | – | Matching antique platinum old-European-cut heirloom ring appraised at this value due to inclusions in the diamond |
| – | $11,000 | Not said | – | Writer's own diamond ring appraisal, used as a pricing anchor for a later private sale |
| – | $11,000 | Not said | – | Writer's own ring insured/appraised for replacement at over $11k |
| – | $11,500 | Lab-grown diamond | 2.27 ct | Independent appraisal for insurance purposes on the asker's own engagement ring |
| £7,850 | £11,500 | Natural diamond | 1.25 ct | Valuation exceeds purchase price on a D colour, VVS2, platinum-set diamond |
| $7,000 | $11,500 | Natural diamond | 1.21 ct | Appraised at $11,500, well above the $7,000 purchase price |
| – | $12,000 | Natural diamond | – | Appraisal about three years before the 2026 post put replacement value above 12k; GIA natural in 14k white gold, read by a buyer as over 1 ct, colorless, VS |
| – | $12,000 | Lab-grown diamond | 2 ct | 2ct lab diamond in a simple 14k gold band, appraised at $12k; writer isn't sure what her fiance actually paid |
| – | $12,000 | Not said | – | Writer's own ring was insurance-appraised at $12,000. |
| – | $12,000 | Not said | – | The asker's engagement ring appraised at $12,000 shortly after getting engaged, while shopping for insurance |
| – | $12,100 | Lab-grown diamond | – | Third-party: writer's sister ordered a ring from the same lab-diamond seller; appraiser called the stone high quality |
| – | $12,500 | Natural diamond | – | First appraisal after inheriting mother-in-law's antique engagement ring, an old European cut diamond |
| $9,500 | $12,500 | Natural diamond | 1.25 ct | Old European cut diamond ring, bought as a cocktail ring about 15 years earlier, appraised well above its purchase price |
| – | $12,600 | Not said | – | Writer saw the appraisal for her ring at $12,600 but doubts her fiance actually paid that much |
| – | $13,000 | Lab-grown diamond | 5 ct | One jeweler formally appraised the loose 5ct D VS1 radiant lab stone at over $13,000, despite separately saying it had no resale value |
| $10,200 | $13,000 | Not said | 3.29 ct | Appraised for insurance at almost $13,000 after paying $10,200 |
| $9,000 | $13,000 | Natural diamond | 1.01 ct | Buyer had the ring appraised soon after paying $9,000 total and questioned whether the $13,000 figure was just a fancy markup |
| – | $13,500 | Not said | 1.33 ct | A different buyer's own heavy-gold, never-worn ring; insurance appraisal from 2010, now considering selling |
| – | $13,500 | – | – | Insurance appraisal value, not what the ring later sold for |
| C$8,000 | C$14,000 | Not said | – | Diamond ring bought wholesale then appraised well above the purchase price |
| – | A$14,000 | – | – | Anecdote about a relative's 1920s antique French engagement ring, said to be worth about $14k now. |
| – | $14,000 | Not said | – | Engagement ring's appraised value; the fiance would not disclose the actual purchase price |
| – | $14,500 | Natural diamond | 1.58 ct | In-discussion appraiser estimated the asker's 1.58ct VS1 I-color diamond plus melee band is worth about $14,500 today. |
| – | $15,000 | Natural diamond | – | The asker's ring, a family diamond reset into a new setting, appraised at $15k for insurance purposes |
| – | $15,000 | Natural diamond | 1.5 ct | Insurance appraisal for an inherited 1.5ct H color VS2 clarity diamond ring |
| – | $15,000 | Not said | – | Vintage heirloom engagement ring from her mother appraised at $15,000; insurance quotes for it ran $150 to $200 a year |
| – | 15,000 | Other | 3.36 ct | One independent gemmologist's valuation of the same ruby ring, far above the auction house estimate |
| – | $15,000 | Natural diamond | 3.5 ct | Local jeweler valued the inherited stone at about $15k for private sale |
| – | $15,000 | Not said | – | The person asking roughly values the hand-forged platinum ring at $15,000 while shopping for insurance, ahead of getting a formal appraisal |
| – | $15,000 | Not said | – | Buyer's own wedding ring set was appraised at about $15,000 around the time she had it redone and added to. |
| – | $15,000 | Natural diamond | – | Writer's own natural diamond ring was appraised near this value a few years before the comment; says an equivalent ring is worth far less to replace today because of lab competition |
| £4,000 | £15,000 | – | – | Most recent valuation came in far above the 2017 purchase price |
| – | $15,000 | Natural diamond | – | Re-appraised after the chipped diamond was replaced |
| – | $15,000 | Not said | 1.14 ct | Inherited H VVS1 diamond, reset into a pendant and valued at $15,000 by the shop that reset it; another buyer called the figure very high |
| – | $15,000 | Natural diamond | – | Inherited art deco 3-stone platinum ring with filigree and accent diamonds, appraised about 25 years before this comment. |
| – | $15,000 | Not said | – | Custom platinum-set engagement ring valued at $15k; writer doesn't expect anywhere near that if resold |
| – | $15,000 | Natural diamond | – | Ring appraised about 30 years ago; kept for insurance purposes |
| – | $16,000 | – | – | Ring and band together appraised at just under 16000 dollars |
| – | $17,000 | Not said | – | Platinum and diamond ring found in a storage unit was appraised at $17,000. |
| – | £17,000 | Not said | – | Inherited a diamond ring and had it appraised at a jeweller for about 17000; looking to sell it safely. |
| £12,000 | £17,000 | – | 2 ct | 150-year-old antique ring bought in Hatton Garden, insurance valuation came in £5k above the price paid |
| – | $17,000 | Other | 2 ct | A dealer's rare 2ct GIA-certified dark green serindibite was appraised at $17,000 but auction houses like Sotheby's declined to take it on |
| – | $17,000 | Natural diamond | 1.76 ct | Inherited vintage 1.76ct natural diamond with decent but not perfect stats, appraised around this value |
| $2,500 | $17,500 | Not said | – | Same round of shopping; the highest of 5 appraisals came back at 7x what he paid. |
| – | $17,500 | Other | – | Buyer's rough guess that the inherited vintage 14k citrine cocktail ring could be worth about $15,000 to $20,000; not a formal appraisal |
| – | $18,000 | Not said | – | The asker's engagement ring, 18k rose gold, appraised value |
| – | $18,000 | Natural diamond | – | Platinum natural diamond set from a first marriage was appraised at $18k |
| $10,000 | $20,000 | Not said | 1.5 ct | Pear-cut 1.5ct E/VVS2 diamond ring appraised for insurance at close to double its purchase price |
| – | $20,000 | Not said | – | A buyer's spouse's custom-made ring reset a family heirloom diamond said to be worth about $20,000; it was mistakenly shipped to the wrong person during a repair but was recovered |
| – | C$20,000 | – | – | Appraised value was just under this amount, size 5 ring |
| £12,000 | £20,000 | – | – | Custom Hatton Garden ring, independent valuation well above cash price paid; writer now carries a lasting annual premium |
| – | $20,000 | Natural diamond | 2.25 ct | 2.25ct natural solitaire appraised at $20,000 twelve years before the comment; insurer said no need to update |
| – | $20,000 | Natural diamond | 3 ct | 3ct round D VS1 in platinum; other buyers say this appraisal seems far too low for the specs |
| – | £20,000 | Not said | – | Had expected around 20000 for a ring that belonged to their late mother. |
| – | $21,500 | Not said | 45 ct | Tried to insure a VVS ring in 14k rose gold appraised at this value, but BriteCo declined to insure it despite an accurate appraisal being provided. |
| – | C$22,000 | Not said | – | Wife's engagement ring appraised for insurance purposes |
| $800 | $22,500 | Natural diamond | – | Family heirloom diamond bought for 800 in 1907 and appraised at 22,500 in 1993; he says the insurer would pay that |
| – | $23,000 | Not said | – | Auction listing's own claimed appraisal for the dyed low-quality emerald lots currently asking $100-200; buyers called it fake/inflated |
| – | $24,000 | Moissanite | 1.5 ct | Jeweler appraised a 1.5 ct moissanite (set on a diamond-accented band) for insurance at $24,000, mistakenly listing it as a D-color VVS diamond |
| – | $25,000 | Natural diamond | 2.02 ct | Another estimate for the same stone, roughly $20k-30k depending on cut quality |
| – | £25,000 | – | – | A family heirloom proposal ring stated to be worth about this much; never formally revalued |
| £9,800 | £25,000 | Natural diamond | 1.9 ct | Antique ring plus added stones and custom platinum band, independently valued well above the price paid |
| – | $25,000 | Not said | – | Says her diamond is worth $25k, used to justify carrying replacement-value insurance |
| – | $26,000 | Not said | – | One of two diamond rings the writer owns and insures, stated value only, no purchase price given, worn only for special occasions |
| – | $26,500 | Natural diamond | 2.02 ct | Community estimate for what this inherited 2.02ct H VVS2 natural stone would fetch if sold as mined; roughly $25k-28k range |
| – | $28,740 | – | 3.35 ct | Oval-cushion natural unheated sapphire in a hand-engraved platinum ring, appraised by a Los Angeles lab with no detail on clarity or exact shade |
| – | $28,740 | Other | 3.36 ct | Natural unheated 3.36ct sapphire in a hand-engraved platinum ring, appraised by Superior Gemological Laboratory with no supporting detail |
| – | $29,000 | Natural diamond | 1.6 ct | 1.6ct natural round center (GIA) plus about 1.5ct of side diamonds, 18K gold; lost and rebuilt identically by the insurer in 2021, later switched to Jewelers Mutual |
| – | $29,000 | Natural diamond | – | A friend's ring valued at 29,000 because of a large natural diamond inherited from her aunt; source of the figure not said; she worries about losing it |
| – | 29,000 | Natural diamond | 2.26 ct | 1930s inherited fancy yellow diamond solitaire, licensed-assessor valuation for insurance purposes; buyers expected resale far below this figure. |
| – | $29,500 | Not said | 1.5 ct | 1.5ct oval stone on a 14k gold band appraised for insurance; writer says value depends heavily on color and clarity |
| $15,000 | $30,000 | Natural diamond | 3.55 ct | Appraisal report values the ring just under $30k, used for insurance purposes; stone is treated/clarity-enhanced |
| – | $30,000 | Natural diamond | 2.02 ct | Estimates online retail value around this amount for a stone like hers |
| – | $30,000 | Natural diamond | 1.5 ct | Writer values his late wife's 1.5ct family diamond center stone at about $30k as a reference point for his new partner's ring |
| $10,000 | $30,000 | Natural diamond | 1.4 ct | Insurance appraisal on the $10,000 Costco ring |
| $5,000 | $30,000 | Natural diamond | 2 ct | A jeweler appraised the roughly 2ct estate-bought stone at about six times what was paid for it two decades earlier |
| – | $32,000 | Natural diamond | – | Combined current appraised value of writer's two Andria Barbone antique rings |
| $27,000 | $33,000 | Natural diamond | 2.51 ct | Independent appraisal for insurance came back $6,000 higher than the roughly $27,000 paid for the ring |
| – | $33,000 | Natural diamond | 2.25 ct | Had her 2.25ct natural round diamond ring appraised recently to get it insured |
| – | $35,000 | Natural diamond | – | Hlaw828's previous oval natural diamond ring, smaller than his current 2.68ct, was appraised around $35000 before he later sold it. |
| – | $35,000 | Natural diamond | 5 ct | 2019 insurance appraisal of a 5 ct I1/I color main stone ring with 8 side baguettes and 14k gold, valued at $35,000 replacement |
| $1,000 | $35,000 | Natural diamond | 2 ct | Valuation given when the original owner passed away, per the writer's jewelry appraiser |
| – | $40,000 | Natural diamond | 2.5 ct | Inherited mother's natural diamond ring, mostly weight in the center stone, appraised over this value; planning a lab recreation for under $2k |
| – | $41,000 | Natural diamond | 2.12 ct | The asker's 2.12 ct F/VVS2 emerald-cut natural diamond ring was appraised at $41,000; she notes a lab-grown equivalent would appraise much lower. |
| – | $45,000 | Natural diamond | – | Wedding ring set with three certified pink argyle diamonds plus white diamonds, stated value only, worn every day with no replica |
| – | $48,000 | Not said | – | The second of the writer's two insured diamond rings, stated value only, no purchase price given |
| – | $49,000 | Natural diamond | 3.5 ct | Loose 3.5ct diamond, bought around 2008, is currently appraised/insured for about $49k; reappraised every 5 years and value has held or risen slightly |
| – | $50,000 | Not said | 2 ct | Insurance appraisal on a 2ct oval D VVS1 ring |
| – | $50,000 | Natural diamond | – | Original appraisal from the 1990s. |
| – | $50,000 | Not said | – | Estimates about $50k in jewelry total (not just rings), never insured and never lost a piece in 40 years |
| $60,000 | $52,000 | Natural diamond | 5 ct | Estimates she could currently sell the same 5ct natural diamond for about $52,000, down from the $60,000 paid three years earlier |
| – | $60,000 | Not said | 5 ct | Inherited diamond appraised around $60k some 20-30 years before this 2024 post; new appraisal pending, original paperwork lost |
| – | £60,000 | Not said | – | Appraisal on a family member's diamond ring whose stone reportedly cost £40k from a big-name jeweller |
| – | 60,000 | Natural diamond | 1.5 ct | Family heirloom from her grandmother via an aunt; flawless clarity, excellent cut; appraised after cleaning and tightening the setting. |
| – | $70,000 | Natural diamond | 3.34 ct | Ring appraised at $70k total, combining an inherited natural center stone with newly bought natural side stones and a platinum setting |
| – | $70,000 | Natural diamond | 1 ct | A customer's 1-carat diamond ring had been appraised at $70,000, which the jeweler says is an unrealistic value for that stone |
| – | $70,000 | Natural diamond | 4.05 ct | A jeweler appraised the loose 4.05 ct F/SI1 diamond; owner hoped to resell near 55000 |
| – | $80,000 | Natural diamond | 3.5 ct | Same source's high retail/replacement estimate; a second jewelry store separately quoted 40k-80k, called inflated by buyers |
| – | $80,000 | Natural diamond | – | A different, custom-made (non-Tiffany) diamond ring appraised at about $80k retail for insurance, shared as a price comparison; insurance appraisals tend to run high |
| – | $85,000 | Natural diamond | – | Gemologist's own past sale: a comparable (not VVS) loose stone had an insurance appraisal near $85k |
| – | $85,000 | Natural diamond | 3.4 ct | GIA certified 3.4ct F VS2 cushion diamond; wholesale was supposedly around $60,000; original purchase price not stated |
| – | $97,060 | Natural diamond | 0.6 ct | Heirloom 0.60 ct diamond through three settings appraised a few months before the comment; amount written as $9,7060 |
| – | $100,000 | Natural diamond | 3.2 ct | Friend's family-heirloom 3.2ct round mined diamond ring was long said to be worth at least $100k; insurance appraisal was even higher, exact figure not given. |
| – | $110,000 | Other | – | The asker's mother's rare-gemstone ring, bought roughly 10 years earlier as an investment, was recently appraised at $100k-$120k ahead of a planned sale |
| – | A$180,000 | – | – | Australian valuation on a ring bought at a 90% jeweller discount while marrying in Las Vegas |
| – | $200,000 | Natural diamond | 5.23 ct | Inherited 5.23ct natural diamond from her grandmother, appraised around $200k; now worn only for special occasions |
| – | $200,000 | Lab-grown diamond | – | A jeweler casually guessed the ring's worth at $200,000 while the couple was shopping for wedding bands; not a formal written appraisal |
| – | $205,000 | Not said | 5 ct | The asker's inherited ring; insurance-replacement appraisal covering a 5ct center stone and 6ct total weight |
| – | $275,000 | Natural diamond | 12.43 ct | Community retail-value estimate of 200k-350k for the asker's inherited 12.43ct diamond, said to roughly match an earlier jeweler appraisal; worst-case auction floor put at 100k-150k |
| – | $450,000 | Natural diamond | 7.19 ct | GG/valuer's estimate of replacement cost for insurance purposes, based on the stated 7.19ct E VS1 center plus band stones assumed E-F VS1-2 |
| – | $4,000,000 | Natural diamond | 30 ct | A 30-carat D-color flawless natural diamond estimated to be worth around $4 million |
Sources and method
Each line is one buyer's own policy or appraisal, as they described it. The rate is the yearly premium over the insured value.