A diamond ring left in a suitcase while enjoying the beach or pool can suddenly disappear. A diamond ring left for just an instant in a public wash room will probably never be seen again. Accidental loss happens when you least expect it. A single prong weakened by wear can suddenly release its hold on your beautiful diamond and you'll not likely notice the loss of weight from your finger. You wouldn't believe all the diamonds that fall out of mountings while working in the yard or doing dishes in the sink.
Damage can occur for even the hardest of gems.
While a diamond is hard, it is also crystal that will fracture if struck a hard blow. The wrong bump with a grocery cart or a door handle can cause thousands of dollars in damage in an instant. The bottom line is to get your diamond insured immediately and be sure your insurance covers damage and loss.