So, my BF and I went to look at rings yesterday, and will probably place an order with some customizations in a few weeks. I want the ring to be insured from the minute it leaves the store, so I've looked into getting some insurance quotes. I got a quote from a jewelry-specific insurance co. and also from allstate, where I have my condo/homeowner's policy. The price for independent insurance or getting a rider on my HO policy came out to be around the same, but I kind of had sticker shock. The premium for the year is higher than the premium for the year on my entire condo unit/HO policy. (The ring will be a nice size but we're not talking the Hope Diamond here). They explained to me that jewelry is more high-risk to insure, so I get it, but was wondering if you ladies have had any experiences insuring through your homeowner's policy or separately, and if you have any companies you recommend. I had never heard of the jewelry-specific company so was a little leery.