Learned the hard way

I had my engagement ring insured through home owners rider and assumed that meant I was fully covered but after a small diamond fell out I learned that it wasnt. My appraisal didnt list detailed specs for the individual stones, which slowed the claim down a lot. When it was finally approved the replacement options were limited to their vendors and the quality wasnt the same unless I paid extra. Claim was settled but it made me realize “insured” doesn’t always mean “replaced exactly as before.” I’ve since switched insurers and updated my appraisal. Posting in case it helps someone else avoid the surprise.