I have lost diamonds but not in rings. I have a diamond bracelet with a lot of diamonds in it. I wear it all the time. Twice a diamond fell out. When my husband bought it he also bought the insurance that was offered so all repairs are free for life. The first time a diamond fell out they said they checked the others but now I am without a stone again. I have to take it back in and get it fixed but haven't done that yet. I've also lost diamonds out of a pin and earing. Those I had replaced. For my diamond rings we carry a rider on our home owners insurance policy to cover those. It's such a sick feeling when you see that you've lost it. I lost an amber bracelet that my daughter brought back from Poland. It was a little large on me and I think it must have come off when I was taking off my coat or wiping my hands after washing them. I still grieve over that and it was some years ago. We do get attached to things don't we?