Saw a similar ring like this at most major jewelry stores from $200 or more. Glad I took the chance and got this ring. Ordered it in November 2013 and have been wearing it everyday since. As a paramedic I knew I had a chance of ruining a ring quickly, but this ring looks the same as the day in came in the mail. I did purchase the insurance for three years which was only $* bucks and insurers everything up to loosing it. So for $* dollars I got a upwards of $200 ring that overstock will replace for at least three years. Pretty much a no brainer.