We just got engaged and are currently looking into insurance. We heard that homeowners limits the amount covered by the policy. My ring is appraised at $ 7300. If we were to make a claim for a loss or theft, we would like to be sure that we arent given a check for depreciation etc We have also heard that insurance companies like to push thier personal jewelry on you after the fact, when realistically we would rather go Back to the same family jeweler that we use to replace this ring. It should be our choice where to replace it, or where we buy it. Is there an insurance that we can get STAND ALONE no deductible insurance. It seems like everyone wants to sell us homeowners too! PLEASE HELP!!!!