When it comes to choosing a diamond substitute, moissanite is a popular choice. But how does it compare? Is Moissanite more sparkly than diamonds?
Moissanite does sparkle more actively than diamonds because of the unique properties of the stone. Light is bent, divided, and reflected back in a spectrum of white flashes and rainbow colors. The quantity of colorful light flashes is an identifying characteristic of Moissanite.
Let’s take a closer look at these two engagement ring favorites, to see how they’re similar, where they’re different, and which one might ultimately be the best option for your next ring.
What Causes Sparkle?
The beauty of gemstones comes from their luster, brilliance, dispersion, refraction and scintillation. These words describe how light interacts with the gemstone to create the dazzling display that we see.
Professional jewelers rarely speak about gemstones as “sparkly”. Instead, they refer to the brilliance of a cut gemstone. Brilliance is a measure of how much light a stone reflects and refracts from its surface. In other words, how much it sparkles.
A stone’s sparkle has to do with the way it allows light to penetrate and then channels, bends, splits, and reflects light. Because of this, the quality of the cut is a critical factor in creating a diamond’s brilliance. Every diamond is cut with dozens, or even hundreds, of tiny flat surfaces, called facets. The cutter must angle the facets so that they reflect light back out of the top of the stone. The angle and shape of each facet affects how light interacts with the diamond and influences its sparkle. If the facets are not cut properly, the light will escape out of the sides or bottom of the diamond, causing it to lose its sparkle and appear more lifeless.
Why Does Moissanite Sparkle More than Other Gems?
Moissanite has a higher refractive index than diamonds. The refractive index is a way of measuring how much a stone is able to bend the light that enters it. Diamond’s refractive index is 2.42 – the second-highest value for any material. The only thing with a higher refractive index is moissanite, with 2.65. Stones with lower refractive indices allow more light to simply pass through the stone without being reflected back, which limits their ability to sparkle.
One of the reasons Moissanite sparkles more than other stones is because of its dispersion properties. Dispersion refers to a stone’s ability to separate the various colors that make up white light more significantly as that light travels through the stone. Moissanite’s dispersion rating is 0.104, whereas diamonds have a dispersion rating of just 0.044. Stones that separate the spectrum of colors further apart have potential to reflect more of that as dazzling flashes of colored light, or “fire.”
Moissanite is so sparkly that Moissanite owners often don’t realize when their ring has gotten dirty because their stone is still sparkling brightly through the buildup. After giving their ring a good cleaning, they’re often amazed at how much brighter it looks!
Which Moissanite Cut Sparkles the Most?
If you’re looking for a moissanite stone that will sparkle as much as possible, you’ll likely be happiest with a round brilliant cut. This is because the cut of the stone is designed to reflect maximum light back through the stone’s table and toward your eye, resulting in a steady and intense sparkle. Additionally, round brilliant-cut moissanite stones have 58 facets, which also helps to maximize the sparkle.
How Can Inclusions Impact Sparkle?
Inclusions in diamonds and Moissanite are tiny imperfections that can be found inside a stone. They are typically small crystals of other minerals that were present when the stone was formed. Inclusions can affect the way light travels through the stone, which in turn affects its sparkle.
The size, number, and location of inclusions can all impact sparkle. If an inclusion is large or located near the surface of the stone, it can cause light to leak out, resulting in a duller appearance. A stone with few or no inclusions will allow light to pass through more easily, resulting in greater sparkle.
Inclusions can also affect the clarity grade. The fewer and smaller the inclusions, the higher the clarity grade will be. However, even stones with many inclusions can still have good sparkle, depending on size and location.
Inclusions are more likely to interfere with sparkle for diamonds than Moissanite. The inclusions in moissanite are invisible to the naked eye, and typically don’t reduce the clarity of the stone because they’re so small. You would have to look at Moissanite under a 10x magnification microscope to see the tiny inclusions.
What is Moissanite Fire?
Moissanite has twice as much dispersion as diamonds. Dispersion refers to the way that light bends as it travels through a stone. As it enters Moissanite, light is bent, split into a spectrum of separate colors, and then reflected back through the stone’s table and toward the eye. Dispersion manifests itself as vibrant light flashes (also referred to as “fire”) that glimmer in a full spectrum of rainbow colors.
Moissanite’s refractive index is 2.65, meaning that it disperses light better than any other gemstone. This creates a stone that is unrivaled in its fire and brilliance.
Can People Typically Tell Moissanite From Diamond?
It’s difficult for friends, family, and coworkers to visually distinguish moissanite from diamond. A gemologist or industry professional may be able to distinguish the stones visibly, but even they often have to rely on specialized testing devices for identification.
Jewelers advise against trying to pass off moissanite as diamond. You should not think of moissanite as a cheaper alternative to diamond – that is what cubic zirconia is.
If you pretend your moissanite stone is a diamond, then you will always think of your engagement ring as a second-rate, cheaper alternative.
Instead, wear your moissanite with pride. Choose moissanite for what it is – a more sparkly, fiery, and sustainable stone that just so happens to look very similar to diamond.
What’s the Cost Difference Between Moissanite and Diamonds?
Moissanite offers major cost advantages. For well under $1,000, you can get a rather large Moissanite stone (the equivalent of 1 carat or larger). That’s much less than what a comparable diamond would cost.
A 1-carat diamond of “I” color and VS2 clarity would cost in the region of $4,000 – $5,000. A similar Moissanite stone would cost about $600. Man-made diamonds can often be 70% – 85% less expensive than mined diamonds. If you like the idea of getting a diamond, but you want to save as much as possible, a man made diamond might be the perfect solution!
You can shop beautiful Moissanite stones in a variety of shapes and sizes here to explore pricing further. After selecting a stone, you can then choose the settings that you’d like to pair it with. Pricing for lab grown diamonds (either loose stones or complete rings), Can be viewed here. Exploring pricing and options for earth-mined diamonds >can be done here.
What is Diamond Equivalent Weight?
It’s important to recognize that diamonds are measured in “carats” (a measurement of weight), but Moissanite isn’t. Moissanite weighs about 10% less than diamonds, so comparing both types of stones using the same unit of measure would work well.
Moissanite is instead measured in millimeters (MM). When shopping for moissanite, you may see references to the stone’s size in, millimeters and also the equivalent weight in carats, for a diamond of the same size. This equivalency is referred to as the “diamond equivalent weight” (or DEW).
The DEW is a measure of a stone’s size, that takes into account its width, depth, and other factors. It provides a more accurate representation of a diamond’s physical dimensions than carat weight alone.
MM (Millimeter) to Carats Conversion Chart
|Measure in mm. (Moissanite)
|Weight in Carats
|Measure in mm. (Moissanite)
|Weight in Carats
Moissanite vs Lab Grown Diamond
Lab Grown Diamonds are manufactured in a controlled setting, but they are still diamonds. They have the exact same appearance and durability as mined diamonds.
Moissanite isn’t quite as hard, and therefore doesn’t have as much scratch resistance as lab-grown diamonds. Being a slightly softer material does have upsides. While Moissanite has fantastic scratch resistance, it’s also less brittle than diamonds. The extreme hardness of diamonds makes them more susceptible to cracking, breaking, and chipping.
One of the major distinctions between moissanite and synthetic diamonds is the price. A 1-carat lab diamond is about six times the cost of moissanite. A 1.9-carat lab diamond is roughly four times the price of moissanite of the same size.
Both Lab Grown Diamonds and Moissanite offer significant savings over the cost of mined diamonds. Both are beautiful and durable enough, that you can take advantage of those savings without feeling like you’re actually sacrificing.
Is Moissanite OK for an Engagement Ring?
Many couples today are choosing moissanite engagement rings over diamond rings for a variety of reasons. Some couples feel that diamonds are too expensive, while others believe that moissanite is a more ethical choice since it is not mined. Whatever the reason, couples should not base their decision on what others might think of their engagement ring choice. While some uninformed people may look down on those who choose something other than a diamond ring, it’s ultimately your choice. After weighing the pros and cons, be at peace with your decision, and be proud of your beautiful ring!
Here are just a few reasons that Moissanite might be the right stone for your engagement ring:
- Moissanite is more affordable than diamonds.
- Moissanite is just as sparkly and beautiful as diamonds.
- Moissanite is very durable and will last a lifetime.
Saving on your stone can enable you to spend a little more on your setting, purchase a second ring, or enjoy an even better honeymoon!
Pros and Cons of Diamonds
Diamonds are remarkably hard, and that means that they have incredible scratch resistance. In fact, they’re the hardest natural material known to man! Their hardness and scratch resistance mean they’re a durable stone that can easily last through multiple generations.
On the other hand, diamonds are quite expensive and difficult to procure in a socially acceptable or environmentally sustainable way.
Pros and Cons of Moissanite
Moissanite is far more affordable than diamonds. It’s also extremely durable, ranking second only to diamonds on the hardness scale.
On the downside, moissanite can sometimes begin to gather a multi-colored haze that’s often referred to as an “oil slick.” It’s believed, that the buildup is often triggered by contact with the oils in things like lotions or contact with chemicals. The oil slick effect can be cleaned off the surface of the ring, but it takes some effort.
Finally, Moissanite can appear to change color temporarily in certain lighting conditions. This is simply a reflection of the lighting and environment. It’s not a major cause of concern for most moissanite owners (in fact many love it when their moissanite gets “moody,” changing its appearance slightly for a moment before returning to normal). It’s not the type of thing that most are concerned about, but you should certainly be aware.
Will Moissanite or Diamond Get Cloudy or Dull?
Although some might worry about moissanite getting cloudy, it actually doesn’t become permanently cloudy or turn yellow as it ages. In fact, moissanite is a highly scratch-resistant and sparkly stone that shouldn’t discolor or become dull over time.
It is not recommended to wear your ring on when you shower, wash your hands, swim, or soak in a hot tub. Chlorine can damage the metal of your ring and cause it to fade or discolor. Dissolved minerals in water can also leave layers of sediment on the surface of your stone that can begin to mute its sparkle over time. Any sentiment (hard water) can be washed away with a good cleaning.
How to Clean Diamond and Moissanite Rings
Cleaning can be simple and expensive. Fill a bowl with warm water and some mild dish soap. Let your ring soak for 20 minutes or so to begin loosening up any grime that might be on the surface of your ring. After soaking your ring, gently scrub it with a soft-bristled toothbrush (an infant toothbrush is a great choice if you have one available). Rinse the ring well and dry it thoroughly with a soft cloth. Another good method for either type of ring is an ultrasonic cleaner. These machines can be purchased fairly inexpensively online. Users really love this machine. I’ve heard good things about the unit from jewelers as well. At less than $40, it could be a great option for regular maintenance cleanings.
Moissanite is more sparkly than diamond. You’ll need to decide if you like wearing a ring that is as eye-catching and lively as Moissanite, or if you’d prefer the white flash and contrasting scintillation of the diamond more. The two stones certainly appear very similar but their style of sparkle and their cost differential are two factors worth considering. Your personal preferences and budget will ultimately determine what works best for you. Either way, you’re sure to end up with a beautiful ring that’s durable enough to last a lifetime!
Both diamonds and Moissanite are beautiful stones. They look very similar, but are they similar in terms of durability as well? Is Moissanite as hard as a diamond?
Diamonds are the hardest stone known to man, but Moissanite is also incredibly hard. Diamonds are ranked at 10 on Mohs Scale of hardness, while Moissanite comes in at 9.25—making it the 2nd hardest stone. Greater hardness means improved scratch resistance. Both stones are remarkable in that category.
Hardness is only one factor of durability. It’s important, but it’s not the only important consideration. We’ll address some other critical factors below.
Which is Harder Moissanites or Diamonds?
In 1812, a German mineralogist named Friedrich Mohs used ten reference minerals to create a comparative hardness scale. He essentially tested the ten rocks against each other to see which ones were capable of scratching other rock samples in the group. Since softer stones can’t scratch harder ones, this experiment process gave Mohs the ability to order the stones from softest to hardest. The softest material (Talc) was assigned a rating of 1, while the hardest material (diamond) received a grading of 10. The eight other stones fell between 1 and 10 based on their relative hardness.
The Scale that Fredrich Mohs created is known as the Mohs Scale of Hardness. It’s still widely referenced today. Again, it’s a comparative scale—not a precise measurement. All minerals or gemstones can be compared to the ten-point scale to communicate, or determine, their hardness level.
All rocks on the Mohs scale can scratch all the other stones with a lower rating. For example, a level 5 gem or mineral can scratch every stone that ranks between 1 and 4.9. Likewise, a gemstone that scores a 5 can be scratched by any other gem that scores between 5.1 and 10.
While Moissanite isn’t the hardest stone known to man, it’s still incredibly hard. It ranks at 9.25 on the Moh’s Scale of Hardness. That means it’s the second hardest stone—harder than even Sapphires.
Those ratings mean that diamonds could scratch Moissanite, but Moissanite could not scratch diamonds. Because of these different hardness levels, you should take extra care when storing jewelry that contains a mixture of different types of stones. If various kinds of gems come in contact with each other (even within a jewelry box), accidental damage could happen to the softer stones.
Damage to a softer stone isn’t the only risk. Most gems are much harder than gold and other precious metals, so scratches can easily impact your band as well if you are careful. To avoid damage, make sure that your jewelry is held in place (immobilized) during storage, so it can’t come into contact with other pieces.
Why Does the Hardness of Moissanite and Diamonds Matter?
Gemstone hardness is vital in jewelry because it affects the amount of damage that could occur as you wear your ring in everyday life. Gems on rings are particularly prone to be bumped or scratched by other objects such as metal keys, doorways, pots and pans, and thousands of other everyday things. You use your hands constantly! Even when you aren’t actively picking things up, your hands are often in motion—in fact, you probably swing them by our side as we walk. All of these motions can cause a potentially damaging impact for a stone that’s too soft.
Diamonds are unlikely to be scratched through casual bumps against the common items you interact with daily. Moissanite is softer than diamonds but still incredibly hard—harder than garnets (a 6.5 to 7.5 on Moh’s Scale of Hardness), emeralds (7.5 to 8), and even Sapphires (9).
Even though both diamonds and Moissanite are unlikely to be scratched by normal contact with various everyday items, pressure can make a big difference. Imagine picking up a diamond ring with just two fingers and then very lightly dragging it across a piece of sidewalk. Because there was no real pressure, the stone will likely be unscathed. If you take the same ring and press down as hard as you can as you drag it across the same stretch of sidewalk, you’re much more likely to see scratches form. The more pressure you apply, the more likely the gem is to be damaged.
Which is Tougher, Moissanite or Diamonds?
Toughness is another critical component of overall durability. It’s different from hardness. Toughness refers to the resistance of a gem to shattering, cracking, breaking, or chipping when a hard impact takes place. Although many people assume that a ‘hard’ stone will also be ‘tough,’ that’s not always the case.
Diamond’s extreme hardness also makes it brittle. Rather than flexing when it receives a strong blow, it’s more likely to crack or shatter. In addition, diamonds commonly have cleave lines, or inclusions, that can further weaken them and make them more susceptible to this kind of damage.
My sister once had a heart-stopping experience with her beautiful diamond ring. She took it off and placed it on a bathroom counter while getting ready for the day. At some point, the ring accidentally got knocked off the counter and fell to the floor. As she examined the ring for damage after picking it up, so noticed that the diamond had cracked right down the middle. It was an emotional day for her!
The jeweler who examined her broken gem told her that the diamond had an inclusion in the spot where it broke. The diamond hit her hard tile floor in just the right position to cause the stone to break along its weakest point—the inclusion. Fortunately, the ring was insured! She was able to collect enough money to replace it with something identical. It would have been a real financial hardship if the ring wasn’t covered. Most likely, she couldn’t have replaced it with a comparable ring at that point in her life. Accidents happen! Good ring insurance can be surprisingly inexpensive, and it offers a lot of peace of mind. This is the jewelry insurance provider that I trust most. They insure jewelry anywhere in the world, and It only takes about 30 seconds to get a free quote online.
Moissanite is less hard and less brittle than diamonds. It’s, therefore, less likely to crack, break, or chip. Moissanite also has fewer inclusions, which gives it fewer additional weak spots in the stone.
What is the Heat Resistance of Moissanite and Diamonds?
Moissanite has high heat resistance. It can tolerate temperatures in excess of 2000° F (1093° C). That’s a temperature that’s hotter than most house fires!
Diamonds are made from carbon, which influences how they react to heat. At temperatures above 1400° F (763° C), they can burn. The diamond crystals become smaller as the carbon and oxygen combine to form carbon dioxide. At high enough temperatures, the diamond begins to disintegrate, while any impurities in the gem are left behind in the form of ash.
Moissanite is far more heat resistant than diamonds—but does that really make any difference? When you are wearing your jewelry, it’s not going to come in contact with such extreme temperatures.
Jewelry is often exposed to extreme temperatures during manufacturing or repair processes. For example, jeweler’s torches are used to shape and join metals. Those torches can get as hot as 6300°F. Jewelers use different torches, gasses, and flame settings to control the temperature for various needs. The heat resistance of Moissanite makes it easier to work with and less susceptible to heat-related damage.
Moissanite’s heat resistance also makes it ideal to use in a variety of commercial applications that require a high heat tolerance. For example, Moissanite is sometimes used in ceramic brake discs for automobiles. The Herschel Space Observatory also appreciates the durability of Moissanite. Their space telescope has a moissanite mirror. Moissanite’s hardness, toughness, and heat resistance made it ideal for that application.
While Diamonds are harder than Moissanite, durability goes well beyond just hardness. You can decide which stone is most durable, but many feel that Moissanite is the superior stone once all durability factors have been weighed and considered.
Maintenance Needs for Moissanite Compared to Diamond
All center stone options will be affected by the dirt and oil build-up that naturally occurs as you wear your ring. The more frequently you wear the ring, the faster that build-up will happen. That surface coating interferes with the ability of light to enter and exit the stone the way it otherwise would. The impact is a more muted, dull, and lifeless ring.
Diamonds aren’t impacted by the build-up of dirt and oils as quickly as many other ring options like Cubic Zirconia or White Sapphire. That means you don’t have to clean them quite as often to keep them sparkling. Of course, cleaning will always make them sparkle better, but they tend to sparkle right through the grime for quite a while.
Moissanite is MUCH less quickly impacted by lack of cleaning. It’s so sparkly that it can continue to throw off impressive light flashes through weeks and months without any cleaning or care. I’ve found it to be the lowest maintenance stone available. Again, while cleaning is still a good idea, and it can always maximize sparkle, Moissanite seems to be the least insistent that you make time to clean it regularly. If you want to learn how to quickly clean Moissanite jewelry, this recent post outlines the best processes.
The Cost of Moissanite compared to Diamond.
The cost difference for a Moissanite Engagement Ring and a Diamond Engagement Ring, for example, is significant. There’s typically an 85% – 90% savings on the cost of the loose stone. Of course, the metal (the ring) that the stone is mounted on will cost the same amount either way. When you look at overall savings on the finished ring, it’s commonly 50% or more.
Diamond is harder than Moissanite, but Moissanite is still very hard. Moissanite is tougher than Diamonds. Moissanite is also far less expensive and requires less maintenance. Because Moissanite is such a durable and forgiving stone, it’s hard for many people to justify spending 90% more for a diamond that looks almost identical.
Because Diamonds are harder than Moissanite, they are less likely to be scratched. Moissanite is more durable than diamonds in other ways—they’re less prone to breaking or chipping. Moissanite also has higher heat resistance, making manufacturing and repairs easier. Overall, there’s a strong argument that Moissanite is the most durable stone and the best bargain for those searching for an engagement ring or wedding ring!
Moissanite Inclusions | Impact on Look, Cost, & Durability
Can Moissanite Scratch Glass? | 3 Implications of Hardness
Can Moissanite Scratch, Break, Chip, or Crack? | Durability
Moissanite is a super hard and durable stone. It repels dirt and grease even better than diamonds, so they often require less care and maintenance. While that’s helpful, moissanite rings will still need occasional cleaning to keep them looking as bright and sparkly as possible.
To clean your moissanite ring, either put it through an ultrasonic cleaner or wash it in a small bowl of warm water with mild dish soap. Gently scrub away dirt using a soft-bristled toothbrush. Avoid abrasive cleaners! Rinse your ring well with fresh water and dry it thoroughly using a soft cloth
We spoke to several jewelers to learn everything it takes to clean and care for a moissanite ring – how often you should clean them, the best ways to clean them, and how you can keep your Moissanite from getting cloudy or stained. We’ll share more detail on 3 key cleaning methods and lots of helpful precautions below.
Do You Have To Clean Moissanite Jewelry?
One of the advantages of Moissanite is that the crystal contains silicon as well as carbon (diamond is pure carbon). Because of the difference in composition, Moissanite can repel grease and dirt from its surface.
Moissanite stays clean and sparkly for much longer than diamond. Because of this, Moissanite rings tend to need less frequent cleaning and care in general.
Even though Moissanite is a fairly low-maintenance stone, you should still clean it periodically. Cleaning Moissanite is a quick and simple process that keeps the stone looking as clear and sparkly as possible.
Moissanite tends to develop what is known as an “oil slick”—a surface-level stain that has a rainbow-like, iridescent appearance, similar to motor oil. If left untreated, oil slick stains can grow, becoming more visible. Also, the longer they are left on the stone, the more difficult they are to remove.
Oil slick stains on Moissanite often appear when it comes in contact with harsh substances like hand sanitizer, chemicals in soaps, lotions, cleaning detergents, hair gel, hairspray, and even mineral-rich water over time.
Regular cleaning can help prevent this type of stain from forming on the surface of your stone. Here’s a link to another post where you can learn more about how to prevent and treat oil slick stains on your Moissanite.
Does Moissanite Get Cloudy?
Moissanite won’t discolor or turn cloudy; however, because Cubic Zirconia (CZ) sometimes does go cloudy, some needlessly worry that Moissanite may behave similarly. In reality, CZ is a manufactured stone with a completely different makeup than Moissanite. CZ is a much softer, more porous stone. It’s also not chemically stable on its own. Cubic Zirconia needs to have special stabilizing agents added to help it stay clear. When manufacturers cut corners by skipping or skimping on quality stabilizers, the stone can discolor or get cloudy and dull over time. Unfortunately, this kind of clouding isn’t reversible in Cubic Zirconia—you can’t fix it, no matter how much, or how well, you clean the stone.
Again, Moissanite will never become cloudy or lose its brilliance and clarity simply because it’s aging. As with diamonds, or any other stone, Moissanite can have its sparkle muted, to some degree, as it picks up grease and dirt over time. Dirt and oils in your everyday environment can cause a film to build up on the stone’s surface, making it appear cloudy. This form of cloudiness is just on the stone’s surface, and it’s temporary. It can easily be cleaned away with minimal effort, restoring the stone’s original beauty.
Moissanite will develop a cloudy appearance more quickly if you frequently expose the ring to soaps, lotions, cosmetics, hard water, or seawater. If you take your ring off before swimming, washing your hands, and doing the dishes, you won’t need to clean the ring as often.
How Often To Clean A Moissanite Ring
Cleaning your Moissanite regularly will ensure that your ring stays sparkly and continues to look brand new. But how often will you need to clean your moissanite jewelry?
The ideal cleaning schedule for your moissanite ring will mostly depend on how much you wear it. If you only wear the ring occasionally, you’ll probably only need to clean it every six months or so. On the other hand, if it’s an engagement or wedding ring that you’re constantly wearing, you should probably plan to clean the ring once a month.
Best Ways To Keep Your Moissanite Ring Clean And Sparkly
There are many different ways to clean a moissanite ring. We asked three highly experienced jewelers about the best methods for cleaning a moissanite ring.
- The best way to clean a moissanite ring is using warm water, a little mild dish soap, and a soft-bristled brush.
- Silver polishing cream or a commercial jewelry cleaning solution can be another great way to clean a moissanite ring. You should clean the stone using a soft, non-abrasive cloth or a soft-bristled brush.
- Jewelers also recommend using an ultrasonic jewelry cleaner from time-to-time, to give your moissanite ring a professional deep clean.
DIY Jewelry Cleaner For Moissanite
You don’t have to have a bottle of commercial jewelry cleaner lying around your home before you can be successful at cleaning your ring. As I mentioned earlier, Warm water, a mild detergent, and a soft-bristled toothbrush can work wonders.
Only use soap that doesn’t contain harsh chemicals, fragrances, or moisturizers. You don’t want anything that’s likely to leave a chemical film on the stone’s surface.
You need to look for a soft-bristled brush (an old toothbrush works well). I typically purchase a soft infant toothbrush from a local dollar store for jewelry cleaning. A soft, non-abrasive cloth can also work well.
Start by adding a couple of drops of mild dish soap to a small bowl and then filling the bowl with warm water. Next, place your ring into the solution and let it soak for a couple of minutes to begin loosening dirt and grime.
Gently scrub your ring in warm soapy water using the brush or cloth. Try to get into all the small details and crevices where grease and dirt can accumulate and hide.
Fill another bowl with clean water and thoroughly rinse your ring. It is vital to get all the soapy residue off.
Using a clean, dry, lint-free cloth, dry your moissanite ring thoroughly. If you allow tiny drops of water to dry on the ring, it could cause water stains, and you run the risk of residue remaining on the surface.
To ensure your ring is 100% dry, you can use a blow dryer to blast away the last bit of moisture and ensure you get to even the hardest to reach crevices dry.
Commercial Jewelry Cleaners For Moissanite
If your moissanite ring has developed a cloudy film or you see the beginning of an oil slick stain, it is best to clean your ring using a commercial jewelry cleaner and a brush or cloth.
Look for a jewelry cleaning solution that is non-toxic and safe to use on silver, gold, platinum, and non-porous gems. It should not contain any ammonia, phosphate, bleach, or butyls.
All the jewelers we spoke with recommended this one. It’s effective and an easy one to use.
Start by placing your ring inside the dipping basket, which comes with the jewelry cleaner. Allow your ring to soak in the cleaning solution for 2 to 3 minutes.
Use a gentle brush to scrub dirt and other build-up out of the ring’s crevices. Let it soak in the solution for another minute, remove it, and rinse it thoroughly with lukewarm water.
Grab a soft, lint-free cloth to dry the ring. Be very careful to dry it thoroughly!
To enhance your ring’s brilliant luster, use a polishing cloth to finish the cleaning session. Your ring should end up looking just like it did the day you got it!
Ultrasonic Jewelry Cleaners For Moissanite
The easiest way to give your moissanite ring a deep clean is to use an ultrasonic jewelry cleaner. This device is what professional jewelers use right before they hand a piece of jewelry over to its new owner.
It works by creating super high-frequency vibrations that get every bit of dirt and grime off your jewelry.
Ultrasonic jewelry cleaners are affordable and readily available online. These machines provide inexpensive protection for the rings you want to protect most. This one was recommended by two of the jewelers we spoke with.
To professionally clean your moissanite ring at home, all you need to do is fill the machine with a cleaning solution, place your ring inside, close the lid and wait.
It only takes 3 minutes for an ultrasonic jewelry cleaner to do its thing. The jewelry cleaner will even tell you when the machine has cooled enough for you to take your ring out.
Moissanite is durable enough to handle Ultrasonic cleanings; however, you should be careful if your moissanite ring has a more fragile setting. Pave and tension settings can sometimes loosen, for example, in ultrasonic cleaners.
Can A Moissanite Ring Get Wet?
It may seem extremely risky to take your valuable ring off each time you wash your hands, take a shower, or swim. Nightmarish thoughts, like the ring slipping down the drain, can cause people to leave their ring on their finger 24/7.
All professional jewelers recommend taking off a moissanite ring when you wash your hands, bathe, shower, or swim. This is because certain chemicals and sediments in the water can damage your ring over time.
Moissanite is a hard, durable stone, so water will not necessarily harm the stone internally. But minerals in the water can begin to interfere with the brilliance of your ring, eventually making it look dull and lifeless. Therefore, it is essential to limit your ring’s exposure to hard water with high levels of dissolved minerals.
Tap water is commonly treated with chlorine to make it safe to drink. However, chlorinated water is far from safe for jewelry.
Chlorine is a corrosive chemical that will not harm a moissanite stone, but it can weaken its metal setting. Gold is particularly susceptible to chlorine.
Exposing your moissanite ring to chlorinated water regularly (like when you wash your hands) may cause delicate bits of metal, like joints or prongs, to weaken or break over time. A loose or broken prong could eventually cause the stone to fall out of its setting and get lost.
Because of all this, it’s important to take your moissanite ring off before jumping into a chlorinated pool or hot tub.
Saltwater also needs to be avoided when it comes to moissanite jewelry. Similar to chlorine, salt has corrosive properties that can compromise the strength of your ring’s metal setting.
If you’d like to learn more about precautions to take with your Moissanite ring when you’re around water, as well as why they’re important, take a look at this article about wearing Moissanite in the pool, hot tub, and shower.
What Can Damage Moissanite?
While Moissanite is just beneath diamond on the Mohs hardness scale, it is still extremely hard and unlikely to get scratched as a result of normal daily wear. Its extreme hardness means it likely won’t be harmed if it accidentally bumps against glass, nails, staplers, door frames, or most other everyday objects.
However, this is not to say that Moissanite is impervious to physical damage! Like diamonds, Moissanite can still crack, get chipped, or break in half. The size, position, and number of the inclusions in your stone can determine how likely a strong impact in the right place might be to cause real damage to your Moissanite stone.
Because of this, it’s best to take your ring off before cleaning the house, doing yard work, or participating in a risky hobby or sport, for example.
Does Moissanite Last As Long As Diamond?
A moissanite ring will last just as long as a diamond ring. So it’s a complete fallacy that you can’t have an heirloom moissanite ring.
On Mohs hardness scale, diamond is a 10, while Moissanite rates a 9.25—that’s even harder than Sapphires! But, of course, hardness is not the only aspect to consider when choosing a stone. Toughness—the resistance of the stone to chipping or cracking is another important factor.
In terms of toughness, Moissanite actually beats diamond. Diamond is a lot more brittle due to its pure carbon crystal structure.
Regardless of how careful you are with your moissanite ring, it is important to clean it on a regular basis to keep the stone looking its best. If you wear your ring all day, every day, it’s a good idea to clean it once a month.
To clean a moissanite ring, all you have to do is give it a soak and a gentle scrub in some warm soapy water. It is important to rinse and dry the ring thoroughly after cleaning. If you’d like, you can then polish it with a special jewelry cloth to keep it looking brand new.
- Avoid exposing your ring to cosmetics, perfumes, lotions, hair products, soaps, and household cleaning products.
- Do not let your ring come into contact with hard water, chlorinated water, or saltwater.
- Remove your ring while doing activities where your stone might take some hard bumps.
You can also use an ultrasonic jewelry cleaner to do a professional cleaning job from home. With the right approach, cleaning your Moissanite Engagement ring or wedding ring should be an inexpensive, quick, and simple process.
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Can Moissanite Scratch, Break, Chip, or Crack? | Durability
For many decades, diamonds have been the traditional choice for engagement and wedding rings. However, other stones have recently become a much more visible and popular option for these rings. Moissanite is currently one of the most popular diamond alternatives available. Those considering Moissanite often have questions about the look, durability, and color options—but cost is also top-of-mind.
Is Moissanite expensive? Moissanite isn’t expensive when compared to the cost of diamonds. A loose Moissanite stone will often be 80-90% less expensive than a loose diamond of comparable size and quality. Total savings on a completed ring will commonly be in the range of 40-60%.
Many factors influence the price of a particular Moissanite stone. We’ll outline some of the factors that affect cost most directly in the paragraphs that follow.
Factors That Influence The Price Of Moissanite
Like diamonds, Moissanite has various grades and qualities of stones available. If you’re shopping for a Moissanite ring, you’ll want to look at the stone’s size, cut, color, and clarity. Those are the factors that can influence the cost of individual Moissanite stones most. We’ll take a look at each of those below.
How Size Influences the Price of Moissanite
Larger stones are typically more expensive than smaller stones of comparable quality. The size of many gems, like diamonds, is communicated in carats (a measurement of weight); the size of Moissanite, on the other hand, is expressed in millimeters (mm). A 6.5 mm Moissanite stone is about the same size as a 1-carat diamond. Moissanite isn’t measured in carats because it weighs about 10% less than diamonds. As a result, a one-carat Moissanite would be about 10% larger than a 1-carat diamond. To solve this, people typically use a carat equivalency based on size (ie. a 6.5mm Moissanite is the same size as a 1-carat diamond).
Because Moissanite is so much less expensive than diamonds, you could purchase a much larger Moissanite center stone for your ring than you could otherwise afford if purchasing a diamond of similar color and clarity. Some decide that they would rather have an 11.25 mm moissanite ring (equivalent to 1.5 carats), for example, than settle for a .5 carat diamond.
How Cut Influences the Price of Moissanite
Moissanite’s cut influences its light refraction and brilliance. The position and angle of cuts determine how light enters and exits the stone. As a result, the cut can enhance or destroy sparkle. A Moissanite stone with a high cut grade will refract light optimally, producing the flashes of brilliant sparkle that Moissanite is famous for. Conversely, a Moissanite stone with a low cut grading will have far less sparkle.
Dull and lifeless-looking Moissanite stones won’t retail for newly as much as well cut stones that dance with lively sparkle.
How Color Grading Influences The Price Of Moissanite
Like diamonds, some Moissanite can have a slightly yellow undertone. Colorless stones are typically the most desirable, so the more colorless a Moissanite stone is, the more expensive it will be. Moissanite stones are graded according to their color as follows.
- A grading of ‘D’, ‘E’, or ‘F’ is considered colorless.
- A grading of ‘G’, ‘H’, or ‘I’ would be referred to as near colorless.
- A grading of ‘J’ or ‘K’ would indicate a stone with some color.
As mentioned above, colorless and near-colorless Moissanite will be more expensive. Still, because Moissanite is so much cheaper than diamonds, the quality upgrade is something many couples can afford—while still saving significant money.
How Clarity Influences The Price Of Moissanite
The clarity of a Moissanite refers to its perfection. Like diamonds, Moissanite can have small internal imperfections, known as blemishes and inclusions. These inner flaws can seriously impact the way light travels through the stone. The number, size, and position of these imperfections influence the degree to which they’re able to rob a stone of its ability to sparkle normally. Because these internal flaws are typically too small to see with the naked eye, they usually don’t impact the general beauty of the ring beyond their impact on sparkle.
The clarity of Moissanite is graded on a scale of ‘AAAA’, ‘AAA’, ‘AA’, ‘A’, and ‘B’. The B rating has the most imperfections, while AAAA has the fewest. Unfortunately, AAAA Moissanite is tough to find, so a Moissanite with a clarity grading of AAA is typically your best option if you want to minimize imperfections.
I wrote another article that goes into much greater detail on how inclusions impact Moissanite. While they can impact appearance, they also have the ability to impact durability—depending on size and location. Hopefully, the post is helpful in providing better awareness as you shop and compare stones.
As expected, the higher the clarity grading of a particular Moissanite stone, the more it will cost. As you’ve just seen, many factors influence the price of a Moissanite. While you could find a cheaper option by selecting a stone with lower gradings, there are real advantages to choosing a higher quality stone—even though it’s a little more expensive.
The Advantages Of Choosing A More Expensive Moissanite
Moissanite with higher grading will ultimately be more beautiful and something you’ll likely be happy with long-term.
There are many unbranded Moissanite rings available at a lower price. However, when buying one of those stones, there’s also a lot you don’t know. Some well-respected Moissanite producers provide a certificate of authenticity. In addition, they include valuable detail regarding the size, cut, color, and clarity of the stone you purchase—and a warranty that provides peace of mind. When you click on the following link, you can find information on the Moissanite producer that we trust most, and save $100 on your purchase!
Moissanite with higher gradings will naturally have more sparkle. Fortunately, you don’t have to spend a fortune to upgrade your Moissanite stone’s quality. If you’re buying Moissanite instead of a diamond, you’ll be able to get larger, and much better quality stone, while still saving an enormous amount of money! While you shouldn’t break your budget, remember that you’ll wear this ring for many years to come.
Because you’re buying something that you’ll wear and look at frequently for many years to come, the relatively small cost of upgrading to a better color, cut, and clarity will likely be well worth it. The quality of your stone is important enough, that it might be worth buying a smaller stone that has better grading, instead of getting a larger stone with poor grading.
How Much Should You Save For Your Moissanite Ring?
There’s no shortage of opinions on how much you should feel obligated to pay for your engagement ring. Some pretty standard advice is 2 to 3 months salary. For example, if you earn $5,000 per month, many would suggest that you spend $10,000 to $15,000 on your engagement ring. In reality, you shouldn’t feel obligated to spend any particular amount. It really should be more about what your partner likes and what lines up with your budget best. For most Moissanite rings, that could mean spending anywhere between $1,000 and $3,500—though a huge component of the total cost has to do with the metal chosen for the band and the additional stones used to embellish its surface.
Rather than saving and spending based on a 2 to 3-month salary expectation, you should decide the size, cut, and clarity that you want for your Moissanite ring and then shop accordingly. Because Moissanite is so much less expensive than diamonds, odd are—that your Moissanite engagement ring won’t anywhere close to 2-3 months salary.
Many factors influence the price of Moissanite. The stone’s size, along with cut, color, and clarity gradings, for example. Even though higher gradings come at an increased cost, Moissanite is still far more affordable than many alternatives, like diamonds.
You can purchase a larger Moissanite with much higher gradings for far less than you would spend on an event remotely comparable diamond. Because of this, Moissanite is an excellent option for anyone wanting a beautiful ring at a more affordable price.
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Moissanite is Cheaper Than Diamond – 6 Key Reasons Why
Will Moissanite Go Up in Value? – What it’s Worth Used & Why
Moissanite is one of the top diamond alternatives available currently. It comes closer than any other stone to the most desirable qualities of diamonds yet costs significantly less! Savings certainly aren’t the only important factor to consider when planning an engagement ring, wedding ring, or anniversary band. In this post, we’ll look into the differences in appearance and sparkle (any compromises) that may accompany the big gap in cost.
Does Moissanite sparkle like a diamond? Both Moissanite and Diamond are sparkly, but they aren’t identical. Moissanite processes light differently. It has a higher refractive index, which causes it to throw off more sparkles as colorful flashes than diamonds can. They look very similar, but there are a few distinguishing characteristics.
In preparing to compare the sparkle of Moissanite and diamond, it’s helpful to understand that the two stones are different in some important areas. They’re cut differently, formed differently, and handle light in very different ways. We’ll explain more below.
Can You Tell a Difference Between Moissanite and Diamond?
Moissanite looks very similar to diamond, but they aren’t identical. My kids have some friends in our neighborhood that are considered identical twins. My children can tell them apart pretty well after spending lots of time with them, but I still can’t. Even ‘identical’ twins aren’t actually identical. In reality, their physical similarities are significant, and any distinguishing physical characteristics are minor enough that they’re hard to notice and remember (unless you spend enough time with them comparing and contrasting to notice subtle differences).
Moissanite and Diamonds have a similar relationship, they look almost identical to an untrained eye, but they aren’t. Moissanite has more sparkle than diamond because It’s naturally double refractive. Because of this, Moissanite is cut differently than diamonds are, to work with the natural characteristics of the stone.
Part of the reason for Moissanite’s increased sparkle has to do with its dispersion properties. Moissanite has twice as much dispersion as diamonds. Dispersion relates to the way that light enters a ring, is bent, broken up, and reflected back toward the eye. Dispersion presents itself as colorful light flashes (commonly referred to as ‘fire’) that dance across the surface of the stone as it’s moved around under direct light.
All the extra Fire becomes far more distinctive, and apparent, in larger Moissanite stones. If you’re wearing a 1 carat (6.5 mm) Moissanite stone, for example, the difference in fire won’t be nearly as noticeable as it might be if you’re wearing a 3 carat (9 mm) stone. If you’re thinking of purchasing a Moissanite ring, you may want to give some thought to size. After hearing questions like, ‘Do moissanite rings look fake?’ repeatedly over time, I wrote an article titled, When Does Moissanite Look Fake? that might be worth reviewing as you decide on the right stone size for your ring.
The rainbow-like effect of light that Moissanite delivers in abundance sets it apart from diamonds—which reflect less color, but larger amounts of white light. Because more white light is refracted in a diamond, the resulting sparkle is somewhat different. These sparkle tendencies are further enhanced by the different ways that Moissanite is cut (the facet pattern).
The refraction index refers to the speed at which light can travel through the material. Moissanite’s refraction index reading is 2.65, while diamonds have a refraction index of just 2.42. It’s because of this distinction that Diamonds tend to have lower levels of rainbow color refraction and higher white light refraction.
Diamonds reflect light in three different ways—through brilliance, dispersion (the rainbow colors), and scintillation (the surface sparkle).
Will Moissanite Pass a Diamond Tester
I was surprised a couple of weeks ago when I was around the twins I mentioned earlier and their parents. Their father bent down slightly to take a close look at one of them. He then hesitantly said, you’re Landon, right? His son confirmed his identity (like that’s not an unusual exchange).
I was a little shocked because I had always assumed that the parents of identical twins would be able to tell them apart instantly and effortlessly. I learned that isn’t always the case. The same is true with Diamond rings and Moissanite rings. Sometimes even the jewelry professionals that study these materials and know them best, can’t tell them apart by sight. Because the two stones are so similar in appearance. Because of this reality, sophisticated electronics (Diamond testers and Moissanite testers) have been created to reveal what the trained eye sometimes can’t discern.
A quality Diamond tester will be able to tell its operator that a Moissanite engagement ring isn’t a diamond engagement ring, for example, but it won’t reveal the identity of the non-diamond stone. Diamond testers typically just answer that one question for their handler, “is this stone a diamond?” After finding out that a particular stone isn’t a diamond, a Moissanite tester could be used to either identify the stone as Moissanite, or rule that possibility out as well. There are testing units available that combine a Diamond and Moissanite tester in one unit.
Does Moissanite Lose its Sparkle?
Diamonds are considered an heirloom stone, because, with proper care, they should last forever and maintain their original beauty as they’re handed down from generation to generation. Maintaining sparkle is an important part of that enduring beauty.
Fortunately, Moissanite is also an incredibly hard stone that could certainly be considered a forever stone if cared for. Moissanite and Diamond can both lose their sparkle if oils and dirt collect on their surface and block light from entering and exiting the stone. Any muting that’s caused by this type of buildup is temporary. Once the ring is cleaned, it should sparkle just like new again!
Which Moissanite Shape Looks Most Like a Diamond?
Round-cut Moissanite tends to look most similar to diamonds. As mentioned earlier, size is also an important consideration if you want your Moissanite to be able to look as similar to a diamond as possible. Size matters both because wearing a center stone that’s way oversized for your income is a quick giveaway that your stone isn’t diamond, but also because distinctions in sparkle qualities are more apparent in larger Moissanite stones.
The Color of Moissanite vs the color of Diamonds
Even though Moissanite is lab-created, it still comes in a variety of shades. A grading scale is used to communicate the color qualities of individual stones. That scale uses a range that runs from ‘D’ to ‘Z’. Perfectly colorless stones are assigned a ‘D’ grade, while on the other end of the spectrum, stones with a yellow hue might end up graded as a ‘Z’.
Diamonds also come in a wide range of shades. Those containing some amount of yellow or brown shading are most common, while completely colorless diamonds are much more rare and expensive! The same ‘D’ to ‘Z’ color scale mentioned above is also used to communicate Diamond color.
Moissanite and Diamonds are incredibly similar on the surface, but they aren’t the same. A trained eye can distinguish the two stones based on sparkle. Today’s electronic gadgetry can certainly distinguish the two stones when subtle visible qualities alone aren’t enough.
Moissanite’s lively colorful sparkle, incredible durability, and reasonable cost have made it a popular choice for engagement rings, wedding rings, and more casual jewelry pieces.
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Lab Created Diamond vs Moissanite | Look, Durability, & Cost
While Moissanite rings are far less expensive than comparable diamond rings, the overall investment can still be significant. That sizable investment can often lead couples to wonder if insurance is an option for them.
Can you insure a Moissanite ring? Moissanite rings can be insured, the same way that diamond rings often are. Once rings are insured, claims can often be filed for loss, theft, or physical damage. The cost of coverage will depend on the amount of insurance needed and the specific insurance channels that you seek coverage through.
In the paragraphs that follow, we’ll share information on the cost and process of insuring your Moissanite rings. Certain insurance channels are typically cheaper than others, so we’ll explain your options below.
Insurance Isn’t Just For Diamond Jewelry
It’s common for me to get questions about whether Moissanite engagement rings or Moissanite wedding rings can be insured. There’s a common feeling that it makes sense to insure expensive diamond jewelry, but Moissanite owners aren’t sure if insurance companies would even cover their less expensive Moissanite jewelry. They also worry that the cost of insurance might be too high for coverage to make sense. Neither of those assumptions are true. Coverage is available for Moissanite, and the insurance provides incredibly inexpensive peace of mind!
Whether your Moissanite ring was $800 or $5,000, ring insurance can protect you from the common issues that might lead to loss and replacement.
What Could Go Wrong?
It’s really hard to anticipate the loss of a ring due to damage, theft, or misplacement. Even if you’ve had your ring for decades without any problems, your track record could change quickly.
When my wife and I had been married for about 5 years, we had a window company install new replacement windows in our home. Earlier that day, my wife had been doing some cleaning and removed her diamond ring to protect it. She set it on a window sill nearby and fully intended to slip it back on a few minutes later when she finished cleaning.
Later that afternoon, my wife went looking for her ring, but the window sill was bare. The empty sill sat next to a brand new window. My wife couldn’t believe that the ring was missing, so we scoured the area both inside and outside of the window, guessing that it got knocked to the ground accidentally. When our search turned up nothing, we called the window company to see if they had seen the ring. At first, they seemed to think we were off our rocker but said they hadn’t seen anything…but the owner later found that one of his employees had knowingly brushed the ring into one of his tarps. In a moment of poor judgment, he apparently took the ring to see if he could sell it. Fortunately, we got the ring back, because we had no insurance, and it would have been painful to come out of pocket for a replacement ring at the time.
Jewelry insurance typically covers your ring against loss, theft, and physical damage. That type of protection is reassuring because even if your ring just slips off your finger while you’re playing in the ocean, you’ll be able to get a replacement!
Why You Need Insurance
Hopefully, you’ve never lost or damaged a special ring in the past. When your ring is uninsured and the unthinkable does happen, it’s painful in two very different ways. First, you have the emotional pain of losing a ring with deep sentimental value. Second, there’s the financial impact. It can really hurt to shell out thousands of dollars to replace a ring! It’s like adding insult to injury in many ways. If you can’t afford a comparable replacement, you sometimes end up with a very different kind of ring to tide you over, which can also be sad.
My younger sister once damaged her beautiful diamond ring. She had it sitting on the bathroom counter while she showered. When she later reached for it, the ring somehow got bumped off the counter and hit their tile floor. As she picked up the ring and examined it, she noticed something horrifying…the diamond had cracked right down the middle! She learned that day that diamonds are incredibly hard (scratch resistant), but extreme hardness also makes them very brittle (susceptible to cracking or breaking with the right kind of impact)!
Moissanite is the second hardest stone known to man—it’s even harder than Sapphire! That means it also has great scratch resistance but it may be more brittle than many other types of stones too. Don’t get me wrong, diamonds and moissanite don’t crack or break easily, but it certainly can happen… and that’s the very type of unexpected damage, and loss, that ring insurance can help protect you from.
Fortunately, my sister’s ring was insured! Their business was going through a slump at the time and money was tight, so her options would have been extremely limited without the insurance payout.
Ring Insurance Options
You have a few different options when it comes to insuring your Moissanite ring. I’ll briefly explain all of them so you can decide what fits your finances and coverage needs best.
Adding Your Ring as a Rider to an Existing Policy
You can often get coverage for jewelry items under your existing homeowner’s or renter’s policy. Coverage amounts and exclusions (exceptions to coverage) vary by insurance company, so please ask your insurance agent, or broker, for those important details. Here’s some general information on how this type of coverage normally works.
Some policies have a small amount of built-in protection for jewelry. That provision often covers losses up to $1,500 or so. If your ring would cost less than about $1,500 to replace, this coverage option may be a fit for you. There are some potential downsides though, which I’ll cover in a moment.
If your ring costs more than the minimal amount of coverage that’s included, you would need your agent to add a personal property rider to your existing policy. Again, this would be the case for both homeowner’s insurance and renter’s insurance.
Potential Problems with Using a Homeowners or Renter’s Policy
Insuring through an existing policy isn’t always the best option. This type of coverage may protect you from theft or damage, but probably won’t protect you against loss (where you just misplace it), for example. That additional coverage is important for peace of mind. Sometimes, you may suspect theft, but you have no evidence of theft (no signs of forced entry and no police report). Your homeowner’s policy may or may not cover such a situation, but you’d likely have broader and better coverage through a dedicated jewelry insurance policy through a company that specializes in those (I’ll talk more about this option in a moment).
If you need to add a personal property rider because your ring is worth more than $1,000 to $1,500, the cost of that coverage will likely be slightly more expensive than coverage through other channels might be. If you file a claim under a policy that’s connected to your homeowner’s or renter’s policy, it might increase your premiums going forward—which is where this type of coverage could get really expensive!
I once filed a claim against my homeowner’s policy to cover about $6,000 worth of property damage. It was nice to get the check from them, but that payout was followed by years and years of higher premiums. At the end of the day, it felt like I simply got a loan from the company that I had to pay back in installments (higher premiums) over time. What’s worse, is that simply filing that claim labeled me a higher risk, so as I shopped for different providers, they all quoted me higher policy pricing. It was a situation that I couldn’t shop my way out of. I learned through that experience to only use my homeowner’s policy for catastrophic losses (significant damage caused by earthquakes or major storms for example).
Check with your agent to see how a claim against your rider would be handled by your insurer (whether it could potentially raise your rates following the claim). If that’s a possibility, I would personally avoid going this route.
Coverage Through a Jewelry Insurance Company
When you insure through a dedicated jewelry insurance company, you separate your ring coverage from your homeowner’s or renter’s policy. That means that if you have to file a claim at some point, that claim won’t affect the cost of your other policy in any way!
My favorite ring insurance company offers really nice benefits. They cover 125% of the value of your ring, for example. That’s important because we see inflation happening all around us. It would be sad to find that you have to replace your ring with something lesser because the cost of an identical replacement has gone higher than the amount you originally insured it for. This also protects you against the risk of a poor appraisal that pegs the value of your ring lower than it should have actually been.
In addition to coverage for physical damage, loss, and theft, they offer coverage for “Mysterious Disappearance,” which essentially means that you have no idea what happened to your ring…it’s just gone and you’re not sure when it happened or how. I love that their coverage has no deductible of any kind. I also appreciate the fact that they allow you to get your repair or replacement from a local jeweler that you trust…rather than having the insurer decide what to send you as a replacement. You can go back to the same jeweler that you originally purchased from to get something truly identical if you’d like!
Fortunately, the process is incredibly simple. It only takes about 3 minutes to get the quote and start coverage online. It’s also very affordable! Most policies are less than $5 a month ($60 a year)! You can review additional information on the benefits they offer and get a free quote, here.
One final option that’s worth a quick mention in self-insuring your ring. If paying for a replacement ring wouldn’t cause much financial turbulence in your life, then self-insuring might be a possibility. This simply means that you’re ready, willing, and able to essentially write a check for a new ring if needed—so you opt to not pay for traditional insurance.
Sometimes some simple math is helpful when making decisions about potentially self-insuring. If you have a $3,000 Moissanite ring that would cost $4.17 a month ($50.04 per year) to insure, for example, it would take almost 60 years for you to end up saving money by self-insuring—if you had to replace the ring even once over the span of those years. That assumes though that the cost of comparable replacement rings stays flat over a 60-year period, which is certainly unlikely. It also assumes that you only have one instance of loss, theft, or damage. If you had more than one instance, self-insurance could end up being many times more expensive.
After looking over some basic calculations, even those that could afford to self insure, often see wisdom in purchasing a policy to protect their ring.
Factors That Influence Your Cost of Coverage
The value of your ring and the amount of insurance coverage you’re seeking will be the most basic factors, but your location is also a component of pricing. There are two common-sense factors that location plays into. First, the likelihood of crime. Second, the cost of jewelry where you live. Both crime and the cost of replacement jewelry would likely be higher in Los Angeles, California, than it would be in Huntsville, Alabama for example. Location doesn’t cause wild swings in the cost of coverage, but it can have a mild impact.
The specific materials your ring is made of (Diamond, Moissanite, Sapphire, gold, platinum, etc) will have no real bearing on cost, other than establishing value. The value of your ring will typically be established by an appraisal.
Where to Get Your Ring Appraised
Reputable local jewelers are often a good place to go for ring appraisals. You’ll likely pay $50 to $75 to have an appraisal done, but it’s valuable information to have because an independent expert documents the value of your ring, but also so you can know some of the important details about your stone that you might not otherwise be aware of. The appraisal may provide information on the cut, color and inclusions for your specific stones. The unique combination of those details will help you to identify your stones in case of theft, but they will also help you to get the most similar replacement possible if that’s ever needed.
How Much Will It Cost to Cover a Moissanite Ring?
I’ll provide some general pricing information—but you can get a quote that’s specific to your exact ring and location here. The process is really quick! Within about 30 seconds, you’ll have your quote and can then decide if it’s a good fit.
In my experience, coverage for most Moissanite rings will hover around $50 per year (roughly $4.20 a month). Your quote may be slightly higher or lower, based on your ring value and location, but I’d guess that it comes in pretty close to that number.
If you have valuable earrings or other jewelry that you’d hate to lose, they can cover those items inexpensively as well!
Things to Watch Out For
There are a few potential pitfalls related to insuring your ring. I’ll quickly address them so you know what to look for and ask questions about.
Some appraisers frequently overvalue the rings they assess. When that happens, you can end up paying for more coverage than you really need. What’s even worse, is that once a claim is filed, your insurance company may push back on your ring’s value, claiming that the appraisal isn’t accurate.
On the other end of the spectrum, if a ring is undervalued, you may not get a large enough payout to cover your actual replacement costs. The risk of a poor appraisal is one of the reasons that I strongly prefer the insurance company that I linked to above. Their 125% coverage protects you if you should ever find that you didn’t have as much coverage as you ultimately needed in order to be made whole following a claim.
Your homeowners or rental insurance policy has lots of fine print, in fact, all insurance policies do. Those details matter when it’s time to file a claim. Part of the fine print that we often gloss over has to do with exclusions—or the specific scenarios where the insurance company won’t have liability for a claim under the policy. An example might be the exclusion that some life insurance policies could have for extreme activities, like Skydiving. If your policy has that exclusion, and you die while skydiving, they won’t pay a benefit, whether you remember seeing that exclusion or not.
It would be sad to pay for a policy believing that you have coverage, only to learn that there’s an exclusion in your policy that excludes coverage for loss or damage which takes place while you’re traveling abroad. Unfortunately, most people only learn about the exclusions after filing a claim. Understanding the exclusions while your shopping for a policy will help you to ensure you’re getting the best value, and most comprehensive coverage, possible
The initial portion of any loss that you’re responsible to absorb before insurance begins paying on a claim, is your deductible. Most home insurance policies might have a deductible of $500, $1,000, or $1,500 for example. If you were to file a $2,000 claim for your damaged ring, but you had a $1,500 deductible, the insurance company would only end up paying you $500 to help you replace your ring. That might come as a frustrating surprise if you weren’t initially aware.
The price you’re quoted for adding coverage for your $2,000 ring to your homeowner’s policy might seem fantastic until you realize that the only insurance you really have, is the amount that’s the difference between your deductible and the full value of your ring. In light of the small amount of potential payout, you may find that the coverage offered by your homeowner’s policy turns out to be your most expensive option in some cases.
The insurance provider that I linked to above has no deductibles, so you’re never asked to personally absorb any portion of the accepted loss.
Getting Your Replacement:
If you file a claim, will you have the option of getting a replacement ring, or simply getting a check? Will you be able to pick the retailer that you purchase the replacement ring from? Will you be able to pick your own replacement ring, or will the insurance company decide, on their own, what they think is most comparable and force you to accept it?
Hopefully, you can see that while price is an important consideration, it certainly isn’t the only consideration. It’s really not even the most one. In order to have real peace of mind, you need to make sure that you won’t have unfortunate surprises when the unthinkable happens.
You Shouldn’t Wait Until Tomorrow to Insure Your Ring
Unfortunately, you can’t buy life insurance from the back of an ambulance while you’re racing to the emergency room, and you can’t buy fire insurance once your house is already on fire. Similarly, it’s too late to protect your ring once unexpected loss or damage has taken place.
Procrastination often costs us dearly. We have every intention to take care of dozens of important things “later.” Unfortunately, we often eventually regret not acting sooner.
The process of securing insurance coverage for your ring almost couldn’t be simpler or more affordable. It’s something you should do now, so you can live with greater peace of mind and not add one more thing to your ever-expanding to-do list!
You have numerous options for insuring your Moissanite engagement or Moissanite wedding ring. Get a quote, ask questions, and secure a policy. It’s something you won’t regret!
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