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How to Buy Jewelry Insurance

Explore the ins and outs of just what goes into jewelry insurance

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PERSONAL JEWELRY INSURANCE

Personal Jewelry Insurance is a repair or replacement policy you can purchase that provides coverage for loss, theft and damage protection for your jewelry. It even covers mysterious disappearance. Sergio’s highly recommends investigating the benefits of these kinds of policies. You can click here to read more about Personal Jewelry Insurance and decide if it’s right for you.

If you have any questions, please call us at Sergio’s Jewelers at 410.461.4400. We’d love to answer any questions you may still have about.

We can also appraise any jewelry you are interested in insuring whether you purchased it here at Sergio’s or not. Please call us at any time for more information about our appraisal services.
Sergios Fine Jewelry Ellicott City, MD Sergios Fine Jewelry Ellicott City, MD

FL (flawless): This is a perfect diamond

IF (internally flawless): This stone is prefect inside

VVS1 & VVS2 (very, very slightly included): Very hard to see the flaw under magnification

VS1 & VS2 (very slightly included): Hard to see the flaw under maginfication

SI1 & SI2 (slightly included): Flaws are visible under magnificatioin

I1/I2 (included): Flaws are visible to the naked eye Diamonds with a rating of SI2 and better have inclusions that are probably not noticeable to the naked eye. But noticeable or not, the fewer the imperfections, the rarer and more valuable the diamond. So an VVS1 might look the same to the average consumer as an SI1, but will cost much more. Higher clarity does not always make a diamond more attractive, but rather, more expensive. Therefore, unless you are looking for an investment, most consumers opt for a diamond with more carat weight and better color rather than a higher clarity rating.

Color: A diamond’s color is rated through an alphabetical scale from D-Z – with a D rating the best. Only the very best colorless diamonds earn a D rating. The lower the rating the more yellow or brown a diamond is. Most consumers are unable to differentiate between diamonds of only one or two color gradations between them, even when comparing directly next to the other diamond. We recommend comparing diamonds graded by the Gemological Institute of America (GIA) for the most accurate color rating. Other noted grading laboratories are EGL (European Gemological Laboratories) and IGI (International Gemologial Institute)

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Sergio's Fine Jewelry
10132 Baltimore National Pike, Suite A & B, Ellicott City, MD 21042
(410) 461-4400