A lab grown diamond ring is every bit as real as a natural one — beautiful, durable, and meant to be worn. Naturally, you’ll want to keep it safe. So, can you insure a lab grown diamond? Yes — and it’s worth doing.
Why Insurance Matters
Lab grown diamonds share the same physical properties as mined stones. That means:
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They’re just as valuable to you.
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They deserve the same level of protection.
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They qualify for the same coverage options.
A good insurance plan means peace of mind, whether your ring is lost, stolen, or damaged.
What Does a Jewelry Policy Cover?
Unlike a basic homeowners policy, dedicated jewelry insurance usually protects:
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Loss or theft
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Accidental damage (like chipped stones)
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Mysterious disappearance
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Repairs or replacement that match your original design
This keeps your piece protected and lets you enjoy wearing it, day in and day out.
Do Lab Diamonds Need an Appraisal?
Yes — you’ll need an appraisal to insure your lab grown diamond ring properly. An appraisal documents:
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Carat weight, cut, color, and clarity
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Growth method (HPHT or CVD)
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Metal and setting details
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Overall market value
At Caleesi Designs, we help you understand your appraisal so you can choose the right policy.
How Much Does Insurance Cost?
In general, jewelry insurance runs about 1%–2% of your ring’s appraised value each year. A $5,000 ring, for example, may cost about $50–$100 annually to insure.
Rates vary by location, insurer, and deductible options.
A Smart Step for a Meaningful Piece
We design jewelry that’s made to be worn — not hidden away. Insurance just adds another layer of confidence, so you can wear your ring anywhere life takes you.
We’re Here to Guide You
When you pick up your finished piece, we’ll make sure you have the paperwork and details needed for insurance. We can recommend reputable providers and help keep your jewelry in top shape with our cleaning and check-up services.
Keep Your Diamond Ring Worry-Free
A lab grown diamond is real — and your story deserves protection. If you’d like help with appraisals or have questions about coverage, drop by the studio anytime.
Visit us at:
2620 S Lamar Blvd, Austin, TX 78704
512.916.9253
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