Insuring your diamond is not quite like insuring other items that you own, but as when shopping for auto or home owners insurance, shop around and compare.

Diamond insurance may also vary depending on where you live.

Three types of diamond insurance:

1. Actual cash value policy for diamonds

This type of policy will replace your diamond at the current market value, despite what you may have paid for your diamond at the time of purchase. Needless to say, this type of policy for insuring diamonds is rare.

2. Agreed value policy for diamonds

With an agreed value policy, the insurer will pay the amount that was agreed upon by you and the insurance company at the time the policy was taken out. This type of diamond insurance policy may also be called 'valued at', and in the event your diamond is damaged beyond repair or stolen they will pay the amount agreed upon.

3. Replacement value diamond policy

This is much more common than the first two policies that have been mentioned here. In this instance the insurance company will pay up to a fixed amount to replace a lost, stolen or severely damaged diamond. They will not necessarily pay the top amount. They will pay up to that amount. Often a diamond may be replaced for a lesser amount. the drawback to this policy is that you are paying rates based on the higher value of your diamond.

As with all insurance, diamond insurance costs will vary depending on many variables. One thing that can affect the cost is where you live, and how high the crime rate is in your locale. Also, consider when you are shopping, whether the coverage is only applicable if the diamond is lost or damaged in your home. If the diamond is often worn when you are away from home this could be important. This is a common glitch in coverage.

When you purchase a diamond of any value, you should also get a diamond certificate, and it should be obtained from an organization independent of your jeweler.

Just getting the certificate is some insurance, and help in identifying your specific diamond. And if will be beneficial when you are shopping for a diamond insurance policy. Having a certificate will give you a certain amount of bargaining power.

Do shop carefully, and read all the fine print. Make sure your insurance if going to cover your needs in the event your diamond is damaged or lost.

Internet Wholesale Jewelry Distributors talk about their hot items and growing customer base

As multifaceted and complex as the wholesale jewelry industry can be, its allure and, to those who know its niches and properties, value can be just as great as the precious wares it sells. The intricate ins and outs of the wholesale jewelry market, combined with the high demand for its products, make it an exciting and rapidly-changing industry, especially for online jewelry wholesalers.

Because of the lightning-fast speed of online trading and the already volatile nature of the hard mineral market, prices can experience dramatic swings that send merchants on a rollercoaster ride with their inventory in hand. The unpredictable availability of, for instance, diamond, gold, and sterling silver jewelry is a fact of life for wholesale jewelry distributors.

That is why a number of online jewelry wholesalers are mixing up their authentic, "rock solid," jewelry with high quality Cubic Zirconia, otherwise known as CZ. Most likely the best diamond substitute available today, CZ has been established as an affordable diamond replacement, as well as an important fashion staple itself.

Top U.S. jewelry wholesalers like Plum Island Silver Company, SilverSource.com and Goldfather's Jewelry have been leading the way in servicing the growing online jewelry market.

"Part of our product line is CZ, because it allows merchandisers to offer a wider range of consumers something that is both affordable and good looking," said Bill McClirk, president of Goldfather's Jewelry in Las Vegas. "We have seen Zirconia bracelets, earrings and toe rings all do really well. These types of products have been getting ordered by both our catalog and website customers."

McClirk's wholesale jewelry firm was on the online jewelry scene early, having been online for more than 10 years at www.goldfathers.com. The site offers both traditional and modern birthstone product lines for each month in the calendar year. "People are now finding us through both the site and trade magazines," he explained. "In the past, it would just be trade magazines producing sales prospects. Now, we get prospects from both sources."

For the last several months, the industry veteran has seen his line of Birthstone Babies fly out of the warehouse. These decorative accessories for baby necklaces are available for girls and boys. A 30 unit mixed box for both genders cost $99, which should reap an estimated profit of $650.

"Oh man, do they sell fast," explained McClirk, who has run the business with his wife, Patty, since 1983. "Everyone wants them, in terms of mothers, friends of the mother, grandmothers, aunts, you name it. We have been selling to gift shops, mall kiosks, swap meets and baby stores. They are ordering and reordering them. That is the best kind of feedback about a product, in my opinion, when the customer reorders it."

In recent years, the precious stones market has grown rapidly, thanks in no small part to the help of the Internet. Though various jewelry retailers such as Ice.com, BlueNile.com and Jewelry.com have taken advantage of the burgeoning niche, jewelry wholesalers have jumped at this growth opportunity, actively entering into the opportunities connectivity offers wholesalers and leveraging the global power of the web.

"We have seen our web sales triple in the last three years," said Richard Chen, ecommerce manager of Alamode Jewelry in Garden Grove, CA. "Over 85 percent of our sales are in rings. That is our major product line; and what makes it attractive to our retailer customers and their consumer customers is that we offer a great variety of rings. Some companies will only offer 1,000 or 2,000 products on their websites. But we offer more than 8,000. And we present them well online. The combination of selection and presentation gives us an edge."

There is a prevailing misconception that the production of nearly all jewelry items sold in the States takes place overseas. But that is not the case, as jewelry artisanship has been a growing phenomenon in the American craftsperson community for the last 20 years. Because of the trend, there is an abundance of gorgeous homegrown product that can be taken to market.

"Eighty percent of the jewelry you see on our website is made in the U.S.A.," said Nur Ahmed, president of Bellagio Jewelry in Los Angeles. "Many of our finer products are actually made nearby our warehouse location, within driving distance here in southern California. Our customers appreciate the American-made quality that you can find with the products at our website."

A wide variety of exquisite earrings, necklaces, lariats and chokers can be discovered in the precious and semi precious stone categories at www.bellagiojewelry.com. Minimum orders at the site are $200, and have been growing month over month, Ahmed said. Meanwhile, he supplements his American-made product stock with a choice selection of imports from India.

"Our rhinestone bangles or bracelets are very popular with our retailer client audience," Ahmed explained. "They are not cheaply-made imitations. Plus, we have the type of service it takes to keep customers coming back. If we get an order in the morning, it is out the door in the afternoon. If we get one in the late afternoon, the latest it leaves our warehouse is the next day. And I believe in a personal touch when it comes to the wholesale business. We honestly do not care if you call us 20 times before ordering. Getting it right is most important."

Teenagers have different fashion requirements that make them cool or otherwise, therefore, teenage jewelry is different from what adults would want to wear. Teenage jewelry signifies coming of age and combines the bouncing hormones with funk.

There is little wonder that there are several manufacturers that target teenagers and youngsters alone.

Jewelry is no more about girls anymore, jewelry is favorite among boys too, to look ‘IN’ these guys are ready to wear just about anything that looks different than the rest of the crowd. Teenagers have a variety of choice in jewelry; they have jewelry ranging from plastic to precious metals and semi-precious or precious stones.

It all depends on your tastes and definition on how you choose jewelry, and for teenagers everything cool is almost everything that is not normal. Who would want to wear normal similar earrings in both ears, when there are so many choices available? Teenage jewelry signifies youth in its very beginning therefore the colors are attractive and designs -rebellious.

Apart from the normal chains and earrings, teenage jewelry also showcases a number of different types of rings; these rings can be used for different body parts. Huge range of course is available for belly button rings, which does seem to be the thing to wear at present. Belly button rings are not just rings but lovely looking ornaments, which are designed to draw attention to waists.

In the hip-hop collection specially designed for teenagers, you will find a variety of other types of rings namely nose rings, eyebrow rings, nipple rings (ouch!!), yes those too. All the jewelry happens to be well designed and light to wear so that the skin does not get stretched.

You thing precious metals are for adults only? You can check out the jewelry that has been given a 24-carat gold plating or those small pieces of jewelry that have been made from silver further treated to look funky and attractive. You will also find teenage jewelry in made from semi precious stones, to fancier and expensive ones like Swarovki crystal.

This is no wonder that teenage jewelry is a rage and is also attracting quite some amount of business for the manufacturers. When it comes to teenagers, it seldom happens that whatever mom buys is acceptable, they would like to choose and pick, partly to show independence and partly because they want to wear something different.

You are in a situation where you do not want to hurt your child by refusing credit cards nor do you want to buy something for her yourself which she later will accept with reluctance. You can visit several teenage jewelry stores online that will make it possible for you and your daughter to sit together and choose and pick the best one she likes and you don’t even have to let go off your credit card. Ideally buying on the Internet will be a good choice if you are assured about the quality, you can visit hordes of jewelry sites and choose and pick those, which have been doing business for years and have been voted by their customers as absolutely trustworthy.

Your first jewelry gift for your girlfriend can be a difficult experience. First off, guys don't typically shop for jewelry so that leads to a problem right there, and second, what is the meaning behind certain jewelry pieces to a woman? The first jewelry gift for your girlfriend is almost like walking on glass but it doesn't have to be.

It's important to understand your situation, read into what your girlfriend is displaying, and take that to the store or online with you when you shop for your jewelry gift. It does depend on your specific relationship and how you feel but typically wait some time, 6 to 8 months, before you start spending the money on anything 18 karat gold or with diamond jewelry that has a total carat weight over 0.35. Also, as a first gift stay away from buying a ring regardless if CZ or gemstone.

It's the connotation a ring brings and early in a relationship might make the girl think a bit more about what you two are. Again, it depends on your own personal feelings about her that matter the most. As an alternative, you can find out what she enjoys wearing such as bracelets, necklaces or earrings and find a classy yet simple gift that won't draw huge attention to herself. By doing some research you will learn how to buy jewelry in the process as well as save money on jewelry for your first gift.