Post # 1
I am very new to this whole ring buying business (as I am sure many of us are before we got engaged!), and I am fairly lost on purchasing a diamond.
I am thinking of choosing a diamond online (specifically Brilliant Earth for ethical reasons). However, how do I make sure that the diamond I purchase is the diamond I receive? Is that where an appraisal comes in? Does it verify the engraved GIA number to its certificate? How much are appraisals normally? And would I be needing an appraisal regardless in order to get my ring insured?
In addition, if I decide to get an Amora Gem instead, would I be able to get that insured too? Or only a diamond ring?
Thank you so much!!!
Post # 2
I got my e-ring from Brilliant Earth. Mine was lab created, but when I received it, it came with a very detailed diamond profile. It even had a drawing of the diamond showing where the two very small inclusions were located (VS2). it also came with a certified appraisal for insurance purposes only. It was appraised at around $500 more than what we paid.
Post # 3
I didn’t buy my ring from Brilliant Earth, but it was bought online from James Allen. Just commenting to say that the you will get an appraisal with your ring and you can easily insure it online through Jewelers Mutual – just scan your appraisal and upload to their site. There are, of course, other ways to go about getting your ring insured, but this was what I did, and it was super quick and easy.
Post # 4
I bought a lab created diamond from Brilliant earth.
It was very flat. No scintilation, no fire. Nothing. Luckily, they have free returns.
Post # 5
Just to reassure you I bought a lab created diamond from BE and it’s the sparkliest, most fiery thing I’ve ever seen. I think like natural diamonds they’re all different and hopefully chuckandsuziesmom
‘s diamond was just an unfortunate dud :-S . But they’re very easy to work with and free returns as mentioned.
Post # 6
I havent purchased from Brilliant Earth, but if you get a GIA certificate and get an appraisal, yes they will check the certificate to see if the engraving matches the certificate. Then they will give you a replacement value estimate. Independent appraisals will usually run about $100. Need for them kind of depends on who you insure with. Some places will accept your purchase receipt as its value, provided it was purchased recently.
You can insure pretty much any piece of jewelry, but dont expect the replacement value on an Amora Gem to be anywhere close to what you paid for it. If youre a sentimental person and want to make sure if your ring needs to be replaced you can get the same thing without out of pocket costs, I’d go with a diamond just because the appraisal value will be much higher than with an Amora Gem
Post # 7
We just bought an Amora Gem and Tacori setting, and because I’m always paranoid I wanted to have both insurred before going to get them set, just incase the jeweler screwed up. We insured through Perfect Circle, and I’m not sure what the previous poster is talking about with replacement value. Perfect Circle accepted an appraisal for the setting and a receipt for the Amora Gem, so if anything happens to the ring, I’m covered for full replacement value of the Amora and setting. And Perfect Circle covers potential damage done while the loose stone is being set, perfect!