Most importantly, the fiancee' loved it. On to the stuff guys care about. Before I found this I bought a ring from Kay jewelers that was the almost exactly the same. Diamond quality, look, wedding band, etc. But this ring was more carats and cost $4000 less. Needless to say I returned the first and this ring came in 2 days with express shipping. Was easily able to insure it and for less than the certificate it came with. I wouldn't insure the ring for more than $8000. The center stone came loose after a couple weeks but I took it to a local store and they fixed it for $30. No big deal. I will say, no point in buying the warranty they try to sell you. For the $300 you can get most everything fixed at a local store and this is not something you want to be shipping back and forth.