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Homeowner's insurance can potentially pay for a lost diamond if you have it "scheduled" on your policy. When this is done, you are covering the ring for a specified amount, and generally all risks are covered. The premium charged is in addition to the regular policy premium.
There also may be a rider that extends coverage to include that risk, although scheduling is often the best option.
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There also may be a rider that extends coverage to include that risk, although scheduling is often the best option.