I bought my fiance a Canadian / "conflict-free" diamond. I'd like to purchase insurance for it, but I'm concerned going on for the replacement terms. A lot of companies don't clear out the retail replacement price, instead offering to replace the ring at a retailer of their choice. Are there a companies that bear into account the "ethical" root of the diamond?
Answers: No. Ethical origin just has significance for a few people. Empirical merit is what gets insured.
However, you can buy an "agreed amount" policy for that diamond - it costs more, but instead of paying you the wholesale replacement significance, it will pay you the amount you insured it for.
Most companies WILL trade name this endorsement available if you request it, but won't necessarily tender it if you don't ask about it.
I would achieve triple eh! Try State Farm Insurance, they insure from an appraisal for replacement cost of the same item. Check near several reputable companies. They may not find for you the specific diamond but you would be reimbursed for the cost/value of that diamond.
Answers: No. Ethical origin just has significance for a few people. Empirical merit is what gets insured.
However, you can buy an "agreed amount" policy for that diamond - it costs more, but instead of paying you the wholesale replacement significance, it will pay you the amount you insured it for.
Most companies WILL trade name this endorsement available if you request it, but won't necessarily tender it if you don't ask about it.
I would achieve triple eh! Try State Farm Insurance, they insure from an appraisal for replacement cost of the same item. Check near several reputable companies. They may not find for you the specific diamond but you would be reimbursed for the cost/value of that diamond.