I went with a company called Jeweler's Mutual at the advice of the jeweler my FI bought my ering from. The benefit of using them over a regular insurance company is that a regular insurance replaces your ring and diamond with something that they feel is comparable instead of letting you have ANY input. If you use Jewelers Mutual you go through the jeweler of your choice to basically recreate your ring to the same quality it was before, or if you want something totally different, they give you the value of your ring that it was appraised and insured at to design whatever you want. This was very important to me because my FI got me a HeartStar Squared diamond, which I LOVE! If I lost it and had it covered by a regular insurance policy they would likely replace it as cheap as they could with a low quality princess cut diamond. It was very reasonable to insure my ring, something like 1% of the appraisal value per year. This is the website: Jewelers Mutual Insurance - Home Hope that helps you decide!
I forgot this part...I also have a $0 deductable, which in my opinion is awesome!!