How much is insurance on a $10,000 ring?

How much insurance costs on $10,000 ring in Australia is $100 to $250 per year for specified portable contents under home contents insurance, or $150 to $300 per year for standalone jewellery insurance from specialist like Q Report, Jewellers Mutual or Centrestone. Under home contents insurance, you list $10K engagement ring as specified portable valuables away from home, with most insurers like NRMA, Allianz, Budget Direct charging 1% to 2.5% of value per year, so $10K x 1.5% = $150 per year, with excess $100 to $500, covering theft, loss, accidental damage and mysterious disappearance worldwide, with new for old replacement requiring valuation certificate $100. Standalone jewellery insurance costs 1.5% to 2.5% of value, so $10K ring $150 to $250 per year with $0 excess and better cover including worldwide, same day replacement and no depreciation. For example, Q Report charges $180 per year for $10K ring, Jewellers Mutual $200, Centrestone $150. So insurance on $10,000 ring is $100 to $250 per year via contents specified, or $150 to $300 standalone, about $12 to $25 per month, requiring valuation certificate from jeweller and proof of purchase, covering theft, loss and damage.