Diamond Horseshoe Necklace.
Q.are you going to insure the necklace? I decided not to insure my engagement ring, with the expectation I will not lose it. By my calculations, if we invest the money that would otherwise be spent on insurance, we can afford to buy a second diamond of equal quality in about 50 years. If we insure the first one, then in 50 years we will have only the one diamond.
A.I do not insure them either. If you can afford to replace it I tend to not insure it, but if you think you will NEVER be able to economically replace a ring or necklace then I would insure it for partial replacement. Horses, well, they are never really replaceable, they tend to be like buses, another comes along that will get you to where you are going eventually in ten minutes or so. LOL But there are always those limos you would rather ride. Take care, and no the diamonds for my little horseshoe are not that big, it's highly understated and small, I wanted one for everyday. No sense loosing it while riding and crying over it. I never wear the ear rings or the rings while riding, it doesn't pay to be riding a horse less $$ than the jewelry you are wearing.
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