If the value of diamond ring is not too high, it is really not worth insurance. A person from a property insurance company admitted that the average family buys no more than 2 carats of diamond jewelry, most of which are used for marriage and engagement, and the quantity will not be too much. It is not worth the loss to insure for one or two appraisals and pay a premium of several hundred yuan. The key point is that in the current property insurance on the market, the insurance coverage of ordinary gold and silver jewelry is only about 6.5438+0 million yuan.

At present, there is no professional insurance for precious metals and diamonds in the market. Gold and silver jewelry can only be insured by family property insurance, according to the purchase invoice provided by the insured. If the invoice is lost, it is generally valued according to the market evaluation value. The insurance amount is generally determined by the insurance company and the customer through consultation. If the customer has any objection, he can invite a third party to evaluate the value. At the same time, family property insurance can only cover the property kept at home. If it is lost or robbed in the process of handling, it is impossible to get a claim.

The amount of insurance is also stipulated. Used for currency, precious calligraphy and painting, diamonds, etc. Individuals put it at home, and in the home insurance additional burglary rescue of a foreign-funded property insurance company, there is an additional cash, gold and silver, jewelry, which can guarantee such gold and silver or cash, but only 2000 yuan at most. This amount is calculated according to the average amount of cash property owned by each family. If it exceeds 2000 yuan, it does not belong to the scope of protection of this additional insurance.