A certificate is your "receipt" for quality. While you can save money today by skipping it, you may lose more in the long run through overpayment or poor resale value. If you'd like, I can help you: a specific diamond quote you've received.
: Look at the stone closely to identify visible inclusions that might differ from what the seller claims. buying a diamond without certification
: Insurance companies typically require a certificate or a formal appraisal to determine coverage limits. A certificate is your "receipt" for quality