check your prongs yourself. shake the ring, if you hear the stones rattling, they are loose. run your finger, stocking,or fine fabric over the prongs, if it catches, it's loose. I ck. mine everyday. I sold jewelry for years, and that was one thing I knew my customers understood to ck on them. Never lost anything, but I was robbed about 9 years ago. all my jewelry is custom made, so lost some very nice, heavy pieces. insurance covered a little bit. you need a rider on your insurance for the item. you need an appraisal or a receipt