All preset diamond jewelry from Eye for Gems come with an appraisal *products must contain a diamond to receive an appraisal, which can be sent to your insurance company to acquire coverage. Coverage can be purchased to insure against loss, theft, or damage. Your insurance policy should provide for the equal replacement of your diamond jewelry item which means that the replacement item should be equal value, quality, and appearance to the one which was lost. *Calculated using current market data, which reflects typical retail prices. These are approximate values as appraising is opinion-based. GIA stones are sent with a GIA Certificate and the Retail Replacement Value Appraisal.