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We had to do that once - lost a diamond from the OH's engagement ring. No problem for our cover at the time (Hiscox?). Our policy explicitly covered declared jewelry with associated valuations. They paid up.
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Also - OH just reminded me that it did impact our premiums. They went up the next time. But that is to be expected TBH.
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You're not the first to notice this, and I thought it was public property regardless?
Aroogah
withered_preacher
@J0nathan
How far am I likely to get with making a contents insurance claim against the loss of a stone from a ring?