Diamond Ring – The Importance Of a Diamond Certificate

The purchase of a diamond ring is not an investment to be taken lightly. Even though you may have educated yourself on the Four C’s of diamond buying, how can you be sure the diamond ring you’re buying actually conforms to the ratings the merchant claims it possesses. In order to ensure you truly are getting the highest quality diamond for your investment, always make sure your new ring is accompanied by a certified diamond certificate.

A diamond certificate is essentially a document created by a third party, independent gemologist that states the quality if the individual diamond based on the four ratings of cut, clarity, color and carat weight. Since the gemologist is licensed and is not affiliated with the merchant, you can rest assured that the ratings being assigned to the stone are accurate. The specific ratings in each category are detailed within the diamond certificate along with its estimated market value. This number is important because the certificate is also commonly used for insurance purposes. If you do choose to ad your diamond ring to your homeowner’s policy or other personal property coverage, the certificate will allow the insurance company to verify the value of the diamond ring in a case of loss or theft.

Knowing how diamonds are rated is important, but having a valid certification of the ratings for your diamond ring are crucial. If a merchant is not in the habit of providing a diamond certificate for rings containing stones over a certain size, you may want to shop elsewhere.