Diamond studs are the most-lost piece of jewelry there is. A backing slips, a sweater snags, a sink drain wins. Insurance turns that bad day into a phone call. Here's how it works.
Your two main options
- Add it to your home or renters policy. Most standard policies cap jewelry theft at a low amount and may not cover simply losing it. Ask about a scheduled personal property rider (sometimes called a jewelry floater), which lists the piece by name and value.
- Use a dedicated jewelry insurer. Specialist companies insure jewelry on its own, usually covering loss, theft and damage, often with a simple online sign-up.
Compare the yearly cost, the deductible, and whether you're covered for mysterious disappearance, which is insurance-speak for "I don't know where it went."
What they'll ask for
- A description of the piece: metal, stone shape, carat, color and clarity.
- A value, usually from a receipt or a replacement valuation.
- Sometimes photos. Snap a few in good light the day it arrives.
Your Don Key valuation
Every Don Key piece comes with a Certificate of Authenticity and an online record. Open it from the QR code in your box or on our certificate lookup, then tap Insurance valuation. You'll get a printable replacement valuation with a full description, grading details and our current retail replacement value, ready to send to your insurer.
It's issued by us as the maker and seller of your piece. Some insurers, or very high values, may call for an independent appraisal too. Either way, update your valuation every two to three years, since prices change.
One more tip
Screw backs are the best loss prevention money can buy. All of our studs offer them. And bring your piece in for a free lifetime care check, where we tighten prongs before they become a problem.
This is general information, not insurance advice. Coverage varies by insurer and by state.