We purchased a Homeowner's Policy from Farmers along with a supplemental "floater" to cover additional jewelery including my wife's engagement and wedding ring. In the policy floater it specifically states the additional coverage (for which we paid an additional premium) is for insurance of of the items detailed in the floater-listing her rings. One evening my wife noted that her 1.5 ct diamond looked "cloudy". After taking it to a reputable jeweler it was determined that the diamond was cracked, not totally... read full review »