# Love & Carat

> Love & Carat is a New York-based online jeweler selling certified lab-grown and natural diamonds and natural gemstones. Every diamond carries a GIA or IGI report; gemstones carry reports from GIA, GRS, Gübelin, SSEF, AGL or IGI. Love & Carat is based in New York, with an office at 45 Rockefeller Plaza, 20th Floor, New York, NY 10111. We're an online store, so the office isn't open to visitors. Orders ship insured to addresses in the United States, with a signature on delivery.

Prices are in US dollars, and orders are delivered to the United States only.

## Key Facts (as of November 2, 2026)

- Available: over 1.1 million lab-grown diamonds, over 510,000 natural diamonds and over 10,000 natural gemstones.
- Grading reports: every diamond carries a GIA or IGI report, and every gemstone a report from GIA, GRS, Gübelin, SSEF, AGL or IGI.
- Returns (US): start a return within 14 days of delivery; keep the piece instead for 15% off your next purchase, or send it back and a $69 restocking fee comes off the refund. Faulty, damaged or not as described? There's no fee, and we cover the return. Engraved or resized pieces can't be returned unless they're faulty. Our earrings and tennis bracelets can be returned within 14 days, like our stones.
- Delivery (US): insured, with a signature on delivery; free on orders of $100 or more, $10 below that.
- Import duty: We pay the import duty on orders to the US, so there is nothing to pay when your stone arrives.
- Office: Love & Carat is based in New York, with an office at 45 Rockefeller Plaza, 20th Floor, New York, NY 10111. We're an online store, so the office isn't open to visitors.
- Contact: concierge@loveandcarat.com or +1-914-881-5116.

## Answers

- A lab-grown diamond is a real diamond, the same carbon crystal with the same hardness as a natural one; every diamond Love & Carat sells comes with a GIA or IGI grading report, which says whether it is lab-grown or natural: https://loveandcaratnewyork.com/blog/are-lab-grown-diamonds-real-diamonds
- Love & Carat's gemstone pages show a stone's origin as its supplier lists it; only a laboratory's origin report confirms an origin, and many reports state none: https://loveandcaratnewyork.com/gemstones

## Shop

- [Tennis Bracelets](https://loveandcaratnewyork.com/tennis-bracelets): Diamond tennis bracelets in round, oval, pear, emerald and princess cuts, lab-grown or natural, made to order in solid gold.
- [Gemstones](https://loveandcaratnewyork.com/gemstones): Certified sapphires, rubies, emeralds and more, in every shape and at every budget.
- [Diamond Earrings](https://loveandcaratnewyork.com/diamond-earrings): Diamond stud and hoop earrings, lab-grown or natural, made to order in 14K or 18K gold.
- [Loose Diamonds](https://loveandcaratnewyork.com/loose-diamonds): Certified lab-grown and natural loose diamonds in every shape, color and clarity, sent insured.
- [Lab-Grown Diamonds](https://loveandcaratnewyork.com/lab-grown-diamonds): Certified lab-grown diamonds in every shape and size, each with an IGI or GIA report and sent insured with a signature, from a New York-based jeweler.
- [Natural Diamonds](https://loveandcaratnewyork.com/natural-diamonds): Natural diamonds in every shape, each graded by GIA or IGI, priced in your currency and sent insured with a signature, from a New York-based jeweler.
- [Colored Diamonds](https://loveandcaratnewyork.com/colored-diamonds): Pink, blue, yellow and green diamonds, natural and lab-grown, all with IGI or GIA reports, and a straight answer on which intensity and hue pay off.
- [Round Diamonds](https://loveandcaratnewyork.com/loose-diamonds/round): Round brilliant diamonds, lab-grown and natural, graded by IGI or GIA. Filter by cut, color, clarity and carat, and compare each one's measurements.
- [Oval Diamonds](https://loveandcaratnewyork.com/loose-diamonds/oval): Lab-grown and natural oval diamonds graded by IGI or GIA, and a straight guide to the bow-tie, the ratio and the color grades worth paying for.
- [Emerald-Cut Diamonds](https://loveandcaratnewyork.com/loose-diamonds/emerald-cut): Emerald-cut diamonds, lab-grown and natural, with IGI or GIA reports, and plain advice on the clarity, ratio and windows that matter most in a step cut.
- [Cushion-Cut Diamonds](https://loveandcaratnewyork.com/loose-diamonds/cushion): Cushion-cut diamonds, lab-grown and natural, square to elongated and crushed ice to antique style, each graded by IGI or GIA and shown in its own video.
- [Pear Diamonds](https://loveandcaratnewyork.com/loose-diamonds/pear): Pear-shaped diamonds, lab-grown and natural, each graded by IGI or GIA, with a video to judge the shoulders, the point and the bow-tie before you choose.
- [Radiant-Cut Diamonds](https://loveandcaratnewyork.com/loose-diamonds/radiant): White radiant-cut diamonds, natural or lab-grown, with IGI or GIA reports and prices in your currency, plus straight advice on clarity and on depth.
- [Princess-Cut Diamonds](https://loveandcaratnewyork.com/loose-diamonds/princess): Princess-cut diamonds of both origins, each with an IGI or GIA report, plus advice on guarding the corners, reading the ratio and saving on unseen clarity.
- [Marquise Diamonds](https://loveandcaratnewyork.com/loose-diamonds/marquise): Marquise diamonds of both origins, all with IGI or GIA reports, and honest advice on the ratio, the bow-tie and the prongs that guard both of the points.
- [Asscher-Cut Diamonds](https://loveandcaratnewyork.com/loose-diamonds/asscher): Asscher-cut diamonds of both origins with IGI or GIA reports, each with a video to judge the windmill pattern and the clarity, priced in your currency.
- [Heart-Shaped Diamonds](https://loveandcaratnewyork.com/loose-diamonds/heart): A heart-shaped diamond is only as good as its symmetry. Lab-grown and natural hearts graded by IGI or GIA, with advice on lobes, cleft, point and size.
- [1 Carat Lab-Grown Diamonds](https://loveandcaratnewyork.com/lab-grown-diamonds/1-carat): 1 carat lab-grown diamonds in every shape, each graded by IGI or GIA, with typical face-up sizes in millimeters and which grades a single carat can skip.
- [1.5 Carat Lab-Grown Diamonds](https://loveandcaratnewyork.com/lab-grown-diamonds/1-5-carat): 1.5 carat lab-grown diamonds in every shape, graded by IGI or GIA, with each one's millimeters, and why a 1.45 can look like a 1.50 for less.
- [2 Carat Lab-Grown Diamonds](https://loveandcaratnewyork.com/lab-grown-diamonds/2-carat): 2 carat lab-grown diamonds in every shape, graded by IGI or GIA, with plain advice on the color and clarity grades that start to show at 8 mm wide.
- [2.5 Carat Lab-Grown Diamonds](https://loveandcaratnewyork.com/lab-grown-diamonds/2-5-carat): 2.5 carat lab-grown diamonds graded by IGI or GIA: how big 2.5 carats looks in each shape, which grades still pass, and how to set a stone this size.
- [3 Carat Lab-Grown Diamonds](https://loveandcaratnewyork.com/lab-grown-diamonds/3-carat): 3 carat lab-grown diamonds in every shape, graded by IGI or GIA: the color and clarity that pass at 9 mm and the settings that hold a stone this size best.
- [4 Carat Lab-Grown Diamonds](https://loveandcaratnewyork.com/lab-grown-diamonds/4-carat): 4 carat lab-grown diamonds in every shape, each graded by IGI or GIA, with the size each shape faces up at, the inclusions that show and how to wear one.
- [5 Carat Lab-Grown Diamonds](https://loveandcaratnewyork.com/lab-grown-diamonds/5-carat): 5 carat lab-grown diamonds and larger, all graded by IGI or GIA, with how to spot hidden weight on a report and when to appraise and insure a large stone.
- [Sapphires](https://loveandcaratnewyork.com/gemstones/sapphires): Natural loose sapphires in blue, pink, yellow, teal and more, each with an independent lab report naming any treatment, priced in your currency.
- [Emeralds](https://loveandcaratnewyork.com/gemstones/emeralds): Natural loose emeralds in every shape, each with an independent lab report that names any oil or resin, with a video and the price in your currency.
- [Rubies](https://loveandcaratnewyork.com/gemstones/rubies): Natural loose rubies in every shape, each with an independent lab report stating any treatment; each page also shows the origin its supplier lists.
- [Alexandrite](https://loveandcaratnewyork.com/gemstones/alexandrite): Natural loose alexandrite that changes color between daylight and lamplight, each with an independent lab report and its price in your currency.
- [Tanzanite](https://loveandcaratnewyork.com/gemstones/tanzanite): Natural loose tanzanite in blue and violet, each with an independent lab report stating any treatment; each page shows the origin its supplier lists.
- [Blue Sapphires](https://loveandcaratnewyork.com/gemstones/sapphires/blue): Natural blue sapphires with independent lab reports, plus a plain guide to the tone and hue worth paying for and the shades that save you money.
- [Pink Sapphires](https://loveandcaratnewyork.com/gemstones/sapphires/pink): Natural pink sapphires from pale blush to hot pink, each with an independent lab report naming any treatment, and a plain guide to which pink is worth it.
- [Yellow Sapphires](https://loveandcaratnewyork.com/gemstones/sapphires/yellow): Natural yellow sapphires, pale to vivid, each with an independent lab report. See which yellow is worth paying for and which report line to read first.
- [Teal Sapphires](https://loveandcaratnewyork.com/gemstones/sapphires/teal): Natural teal sapphires, from greenish blue to bluish green, each with an independent lab report, and a plain guide to choosing the balance you like.
- [Purple Sapphires](https://loveandcaratnewyork.com/gemstones/sapphires/purple): Natural purple sapphires from violetish to reddish purple, each with an independent lab report, plus which tone to pay for and when color change counts.
- [Green Sapphires](https://loveandcaratnewyork.com/gemstones/sapphires/green): Natural green sapphires, from leafy yellowish green to cool bluish green, and advice on which greens stay green indoors and which dark, olive ones to skip.
- [Aquamarine](https://loveandcaratnewyork.com/gemstones/aquamarine): Natural loose aquamarine with independent lab reports, and a plain guide to the blue worth paying for, why size beats clarity and what heat means.
- [Tourmaline](https://loveandcaratnewyork.com/gemstones/tourmaline): Natural loose tourmaline, each with an independent lab report, and a plain guide to judging pink, green and blue and the trade names not worth paying for.
- [Spinel](https://loveandcaratnewyork.com/gemstones/spinel): Natural loose spinel, each with an independent lab report naming any treatment, and a plain guide to which colors earn a premium and a ruby's red for less.
- [Lab-Grown Tennis Bracelets](https://loveandcaratnewyork.com/tennis-bracelets/lab-grown): Lab-grown diamond tennis bracelets in solid white or yellow gold, F-G VS with an IGI jewelry report, made to order in lengths from 6 to 8.5 inches.
- [Natural Tennis Bracelets](https://loveandcaratnewyork.com/tennis-bracelets/natural): Natural diamond tennis bracelets in solid 14K or 18K gold, G color and VS clarity with an HRD report, and a plain guide to when natural is worth the extra.
- [Stud Earrings](https://loveandcaratnewyork.com/diamond-earrings/studs): Diamond stud earrings in solid 14K or 18K gold, lab-grown or natural. How big each stud looks, which setting and which backs to choose, and where to save.
- [Champagne diamonds](https://loveandcaratnewyork.com/champagne-diamonds): Warm champagne and cognac tones, natural and lab-grown.

## Education

- [Diamond education](https://loveandcaratnewyork.com/education): What actually changes how a diamond looks, and what only changes what it costs.
- [Diamond Gifts: Studs and Tennis Bracelets](https://loveandcaratnewyork.com/gifts): Diamond stud earrings and tennis bracelets, the gifts with no ring size to guess, lab-grown or natural, by budget and occasion, with real order-by dates.
- [Diamond Christmas Gifts 2026](https://loveandcaratnewyork.com/gifts/christmas): Diamond studs and tennis bracelets for Christmas, lab-grown or natural, with the real last day to order each one so it arrives by Christmas Eve.
- [Diamond Stud Earrings as a Gift](https://loveandcaratnewyork.com/gifts/diamond-stud-earrings): Why diamond stud earrings make the safest diamond gift: no size to guess, worn every day, matched in pairs, lab-grown or natural, in solid 14K or 18K gold.
- [A Diamond Tennis Bracelet as a Gift](https://loveandcaratnewyork.com/gifts/tennis-bracelet): Why a diamond tennis bracelet makes a lasting gift: an everyday luxury in solid gold, made to her wrist length, lab-grown or natural, with a lab report.
- [Diamond Gifts for Your Wife](https://loveandcaratnewyork.com/gifts/for-wife): Diamond gifts for your wife for Christmas, an anniversary or her birthday: a tennis bracelet in her gold, or a larger pair of studs, lab-grown or natural.
- [Diamond Gifts for Your Girlfriend](https://loveandcaratnewyork.com/gifts/for-girlfriend): Diamond gifts for your girlfriend that aren't a ring: diamond studs she'll wear every day or a fine tennis bracelet, lab-grown or natural, in solid gold.
- [Which grades don't matter (series)](https://loveandcaratnewyork.com/blog/series/which-grades-dont-matter): Where the eye stops seeing a difference, and the less expensive stone that looks the same.
- [Buying guides (series)](https://loveandcaratnewyork.com/blog/series/buying-guide): How to choose each kind of stone and piece: what to look for, what to skip and what to pay.
- [Certificates (series)](https://loveandcaratnewyork.com/blog/series/gia-vs-igi): What each certificate contains, how they compare, and when the difference matters.
- [Education (series)](https://loveandcaratnewyork.com/blog/series/education): Plain-English explanations of the terms and choices behind a diamond purchase.
- [Prices (series)](https://loveandcaratnewyork.com/blog/series/prices): What lab-grown and natural diamonds cost now, from our own catalog, dated and explained.
- [Colored stones (series)](https://loveandcaratnewyork.com/blog/series/colored-stones): Colored lab-grown diamonds and gemstones: how they get their color, treatments, and what to pay attention to.
- [New York (series)](https://loveandcaratnewyork.com/blog/series/new-york): Buying diamonds and jewelry in New York: the Diamond District, the grading labs, the tax, your rights, and how to pay a fair price.
- [Auctions (series)](https://loveandcaratnewyork.com/blog/series/auctions): The great jewelry sales in Geneva, New York and Hong Kong: the top lots, what makes each stone rare, and what sold.

## Policies

- [Customs, duties and taxes](https://loveandcaratnewyork.com/policies/customs): We deliver to addresses in the United States only. We pay the import duty on orders to the US, so there is nothing to pay when your stone arrives. Sales tax, where it applies, is shown at checkout.
- [Where we operate and ship from](https://loveandcaratnewyork.com/policies/location): Love & Carat is based in New York, with an office at 45 Rockefeller Plaza, 20th Floor, New York, NY 10111. We're an online store, so the office isn't open to visitors. Orders ship insured to addresses
- [Privacy notice](https://loveandcaratnewyork.com/policies/privacy): Privacy Notice Last updated October 31, 2026. This notice explains what personal information Love & Carat collects, why we collect it, who we share it with and what you can do about it. We have tried 
- [Returns: keep it for 15% off your next purchase, or a $69 restocking fee](https://loveandcaratnewyork.com/policies/returns): Returns and Refunds Last updated November 1, 2026. If something isn't right, or you simply change your mind, you can send it back. Every return starts in your account, so you can see where it is at ev
- [Rewards terms](https://loveandcaratnewyork.com/policies/rewards): Rewards Terms Last updated October 15, 2026. Rewards is how we thank you for shopping with Love & Carat: every stone and piece of jewelry you buy earns points, and points take money off your next orde
- [Shipping and insurance](https://loveandcaratnewyork.com/policies/shipping): Every order is sent fully insured by a tracked courier, with a signature on delivery. We deliver to addresses in the United States only, and we pay the import duty, so there is nothing more to pay on 
- [Terms and conditions of sale](https://loveandcaratnewyork.com/policies/terms): Terms and Conditions of Sale Last updated November 2, 2026. These terms apply when you buy from Love & Carat or use loveandcaratnewyork.com. Please read them before you order: placing an order means y
- [Warranty](https://loveandcaratnewyork.com/policies/warranty)

## Blog

- [Diamond Stud Size Chart: How Big Each Carat Weight Looks](https://loveandcaratnewyork.com/blog/diamond-stud-size-chart-carat-weight): Buying guides · Love & Carat · Stud sizes are often described by the combined weight of both diamonds. Here is how each carat total weight looks on the ear, and where you can spend less without seeing
- [Phillips Geneva Jewels Auction VII: Blue Diamond, Kashmir Sapphire](https://loveandcaratnewyork.com/blog/phillips-geneva-jewels-auction-vivid-blue-kashmir-sapphire): Auctions · Love & Carat · A 1.35-carat Fancy Vivid Blue diamond and a 16.40-carat Kashmir sapphire lead Phillips' Geneva Jewels Auction: VII. Here is what the house has announced, explained in plain E
- [Sotheby's Geneva High Jewelry Sale: The 8.63-Carat Pink Diamond](https://loveandcaratnewyork.com/blog/sothebys-geneva-high-jewelry-8-63-carat-pink-diamond): Auctions · Love & Carat · An unmounted 8.63-carat Fancy Intense Pink diamond leads Sotheby's High Jewelry sale in Geneva on November 11, 2026. Here is what JCK reports about the sale, and what the col
- [The Bulgari Pink Diamond at Christie's Geneva: What Makes It Rare](https://loveandcaratnewyork.com/blog/bulgari-pink-diamond-christies-geneva): Auctions · Love & Carat · Christie's Geneva offers the Bulgari Pink, a 24-carat Fancy Intense Pink diamond ring, on 10 November 2026. Here is what its grade and type mean.
- [Certified Lab-Grown Diamonds: How to Read a GIA or IGI Report](https://loveandcaratnewyork.com/blog/certified-lab-grown-diamonds-read-gia-igi-report): Certificates · Love & Carat · Read a lab-grown diamond report from the top: what the stone is, whether it was treated, how it grades, and how to confirm the paper matches the stone.
- [Oval Diamond Ratio, Bow-Tie and Pears: How to Choose](https://loveandcaratnewyork.com/blog/oval-diamond-ratio-bow-tie-pear-guide): Buying guides · Love & Carat · The ratio sets the shape. The bow-tie and symmetry matter, but the overall appearance comes first. Here's how to judge ovals and pears by eye, and where you can save.
- [How to Choose a Tennis Bracelet That Lasts: Clasp, Setting, Size](https://loveandcaratnewyork.com/blog/how-to-choose-a-tennis-bracelet): Buying guides · Love & Carat · A tennis bracelet lasts because of its clasp, its setting and its fit, not its top grades. Here is what to prioritize, what to skip and what to ask before you buy.
- [Carat Weight: How Big a Diamond Really Looks on the Hand](https://loveandcaratnewyork.com/blog/carat-size-chart-how-big-diamond-looks): Education · Love & Carat · Carat measures weight, not width. Here is how to compare visible size on grading reports, and why a stone a few points lighter may look similar and cost less.
- [How Much to Spend on an Engagement Ring, and Where the Money Shows](https://loveandcaratnewyork.com/blog/how-much-to-spend-on-engagement-ring): Buying guides · Love & Carat · The average reported spend, the advertising origin of the salary rules, and how to set a budget that buys a beautiful ring without breaking the bank.
- [Do Lab-Grown Diamonds Glow Under UV Light? Fluorescence Explained](https://loveandcaratnewyork.com/blog/do-lab-grown-diamonds-glow-under-uv-light): Education · Love & Carat · Some lab-grown diamonds glow under UV light and some don't. Here's what the glow means, what it can't tell you, and how much it matters once the ring is on.
- [The Cost of a Lab-Grown Diamond: What Moves the Price](https://loveandcaratnewyork.com/blog/cost-of-lab-grown-diamond): Prices · Love & Carat · What a lab-grown diamond costs comes down to five things. Only some of them show once the stone is on a hand, and those are where your money should go.
- [Diamond Clarity Chart: What Eye-Clean Really Means and What to Buy](https://loveandcaratnewyork.com/blog/diamond-clarity-chart-eye-clean): Which grades don't matter · Love & Carat · Clarity is graded under 10x magnification, not by the naked eye. Here's where the difference stops being visible, and how to pick the cheapest grade that sti
- [How to Tell If a Diamond Is Real, and What Testers Can't Tell You](https://loveandcaratnewyork.com/blog/how-to-tell-if-a-diamond-is-real): Education · Love & Carat · Home tricks are unreliable and handheld testers have blind spots. A lab-grown diamond is diamond, so only a laboratory can confirm its origin.
- [Diamond Color Scale: Which Grades Actually Look White](https://loveandcaratnewyork.com/blog/diamond-color-scale-which-grades-look-white): Which grades don't matter · Love & Carat · The D-to-Z scale grades the absence of color. Many neighboring grades are hard to tell apart once a stone is set, so a lower grade that looks right to you ca
- [Where to Propose in NYC: Bow Bridge, Photo Permits and the Ring](https://loveandcaratnewyork.com/blog/where-to-propose-in-nyc-bow-bridge-permits-ring): New York · Love & Carat · Bow Bridge is the classic Central Park proposal. Here's what it is, when a hired photographer needs a city permit, and how to keep the ring safe until the moment comes.
- [Diamond Cut Grades Explained: Why Cut Matters Most](https://loveandcaratnewyork.com/blog/diamond-cut-grades-explained): Education · Love & Carat · Cut decides how a diamond handles light, which is what you see. Here is how cut grades work for rounds, what to check on fancy shapes, and where the top grade earns its pric
- [Buying Diamonds in New York as a Tourist: Tax, Customs, Getting Home](https://loveandcaratnewyork.com/blog/buying-diamonds-in-new-york-as-a-tourist): New York · Love & Carat · What a visitor should know about New York sales tax, the limited refunds that exist, declaring jewelry at the border and keeping it insured on the way home.
- [Lab-Grown Diamond vs. Moissanite vs. Cubic Zirconia: The Difference](https://loveandcaratnewyork.com/blog/lab-grown-diamond-vs-moissanite-cubic-zirconia): Education · Love & Carat · A lab-grown diamond is diamond. Moissanite and cubic zirconia are different materials made to look like one. Here is how to tell them apart and what each is good for.
- [Lab-Grown vs Natural Diamonds: An Honest Comparison](https://loveandcaratnewyork.com/blog/lab-grown-vs-natural-diamonds): Education · Love & Carat · Same crystal structure, potentially indistinguishable by eye; GIA reports color and clarity for lab-grown diamonds. Here is what actually separates a lab-grown diamond from 
- [Record-Setting Lab-Grown Diamonds: Sizes and What Buyers Can Learn](https://loveandcaratnewyork.com/blog/largest-lab-grown-diamond-records): Education · Love & Carat · From 30 carats in 2022 to 50.25 carats in 2023: the record lab-grown diamonds, what they tell us about growth technology, and what a sensible buyer should take from them.
- [Lab-Grown Diamonds: What Synthetic and Cultured Mean](https://loveandcaratnewyork.com/blog/lab-cultured-diamonds-lab-grown-synthetic-cultured-terms): Education · Love & Carat · Lab-grown, lab-created, synthetic and cultured name the same kind of diamond. Here's what the FTC asks sellers to disclose, and the words that deserve a second look.
- [New York Diamond Engagement Rings: A Practical Buying Guide](https://loveandcaratnewyork.com/blog/new-york-diamond-engagement-rings-guide): New York · Love & Carat · Budget, stone, setting, a discreet ring size, the order date, New York sales tax, insurance and returns: one checklist for getting the ring right.
- [Types of Lab-Grown Diamonds: CVD vs HPHT, Explained](https://loveandcaratnewyork.com/blog/types-of-lab-grown-diamonds-cvd-vs-hpht): Education · Love & Carat · The two main ways to grow gem-quality lab-grown diamonds are CVD and HPHT. Here is what each method does, what it can leave behind, and why the grades matter more than the m
- [New York Diamond Market: How the 47th Street Diamond District Works](https://loveandcaratnewyork.com/blog/new-york-diamond-market-47th-street-diamond-district): New York · Love & Carat · One block of West 47th Street carries much of America's diamond trade. Here is how it got there, how its dealers work, and what that means when you buy.
- [City Hall Wedding Rings NYC: Choosing Bands for the Clerk's Office](https://loveandcaratnewyork.com/blog/city-hall-wedding-rings-nyc-choosing-bands): New York · Love & Carat · Rings aren't on NYC311's list of what to bring to a City Clerk ceremony, but you may want bands. Here's how to fit them around the license, the wait and the weekday ceremony.
- [High Quality Lab-Grown Diamonds: Which Grades Are Worth Paying For](https://loveandcaratnewyork.com/blog/high-quality-lab-grown-diamonds-grades-worth-paying-for): Which grades don't matter · Love & Carat · A high-quality lab-grown diamond is a well-cut one with color and clarity that look clean to you. Here's where to spend, and where the top grades buy nothing
- [Lab-Grown Black Diamond Guide: How Black and Green Get Their Color](https://loveandcaratnewyork.com/blog/lab-grown-black-diamond-green-diamond-color): Colored stones · Love & Carat · Black and green lab-grown diamonds get their color during growth or from treatment afterward. Here's how each works, how reports describe it, and what to check before y
- [Engagement Ring Insurance in New York: How to Cover Your Ring](https://loveandcaratnewyork.com/blog/engagement-ring-insurance-new-york): New York · Love & Carat · Your renters or homeowners policy may not fully cover a new ring. Here's how New Yorkers schedule it or buy a jewelry policy, and what to have ready.
- [Loose Diamonds NYC: How to Buy the Stone First and Set It Second](https://loveandcaratnewyork.com/blog/loose-diamonds-nyc-buying-guide): New York · Love & Carat · Choose the diamond on its grading report, check the inscription, then pick the setting. Here is how that works on 47th Street, with a jeweler, or online from New York.
- [Buying a Diamond From a New York City Jeweler: How to Pay a Fair Price](https://loveandcaratnewyork.com/blog/buying-diamond-new-york-city-jeweler-fair-price): New York · Love & Carat · Comparing diamond quotes fairly starts with the paperwork. How to check the stone, compare like for like, get the refund terms in writing and pay in a way that leaves a recor
- [New York Refund Policy Law: Returning Jewelry and Engagement Rings](https://loveandcaratnewyork.com/blog/new-york-refund-policy-law-jewelry-returns): New York · Love & Carat · New York lets jewelers set their own return rules but makes them tell you first. Here's what the law requires, what happens when a store stays silent, and what to ask before 
- [Where to Buy Lab-Grown Diamonds: What to Check Before You Pay](https://loveandcaratnewyork.com/blog/where-to-buy-lab-grown-diamonds): Buying guides · Love & Carat · The best place to buy a lab-grown diamond is any seller who can show you the exact stone, its independent grading report and its terms in writing. Here is the checklist.
- [NYC Wholesale Diamonds: What 'Wholesale' Really Means for Buyers](https://loveandcaratnewyork.com/blog/nyc-wholesale-diamonds-what-wholesale-means): New York · Love & Carat · In the diamond trade, 'wholesale' describes sales between businesses, not a promise on a shop sign. Here's how to read New York's wholesale claims and compare quotes fairly.
- [What Is a Lab-Grown Diamond? How It's Made, Graded and Compared](https://loveandcaratnewyork.com/blog/what-is-a-lab-grown-diamond): Education · Love & Carat · A lab-grown diamond is a diamond made through a technological process rather than formed over geological ages. Here's how it's made, how it's graded, and where the eye stops
- [GIA New York and IGI: Where Diamond Grading Reports Come From](https://loveandcaratnewyork.com/blog/gia-new-york-igi-diamond-grading-reports): New York · Love & Carat · Two of the best-known diamond grading laboratories work a few blocks apart in Midtown Manhattan. Here is where they are, what their reports say and how their submission rules
- [Are Lab-Grown Diamonds Real Diamonds? What the FTC and Labs Say](https://loveandcaratnewyork.com/blog/are-lab-grown-diamonds-real-diamonds): Education · Love & Carat · Yes, a lab-grown diamond is diamond. Here is what the FTC says about the name, how labs tell grown from mined, and what that means when you buy.
- [New York Sales Tax on Jewelry: Rates for NYC and the State](https://loveandcaratnewyork.com/blog/new-york-sales-tax-jewelry): New York · Love & Carat · The state rate, the combined New York City rate and how the rest of the metro area compares, with effective dates and the official lookup to check.
- [Buying Diamonds in New York City: A Complete Guide](https://loveandcaratnewyork.com/blog/buying-diamonds-in-new-york-city-guide): New York · Love & Carat · The Diamond District, the Fifth Avenue houses, independent jewelers or online: what each is good for, and the checks that protect you wherever you buy a diamond in New York.
- [Lab-Grown Diamonds in New York: What They Cost and Where to Buy](https://loveandcaratnewyork.com/blog/lab-grown-diamonds-new-york-cost-where-to-buy): New York · Love & Carat · A New Yorker's guide to lab-grown diamonds: what sellers must call them, who grades them in Midtown, how to judge a price, and what to check before you buy in the city or onl

## Optional

- [Full text of the education, policy and blog pages](https://loveandcaratnewyork.com/llms-full.txt)
- [Colored Diamonds: the words of its pages](https://loveandcaratnewyork.com/llms/colored-diamonds.txt): Each fancy color of diamond, lab-grown and natural: what causes it, how it is graded, and what to pay attention to.
- [Diamond Shapes: the words of its pages](https://loveandcaratnewyork.com/llms/diamond-shapes.txt): Each diamond shape, and each shape at each carat weight: how big it looks, its ratio, and the grades worth paying for.
- [Lab-Grown and Natural Diamonds: the words of its pages](https://loveandcaratnewyork.com/llms/lab-grown.txt): Lab-grown and natural diamonds, and lab-grown diamonds by carat weight: how they compare, what they cost, how they are graded.
- [Gemstones: the words of its pages](https://loveandcaratnewyork.com/llms/gemstones.txt): Sapphires, rubies, emeralds and the other gems: their colors, their weights, what a report says about treatment, and the origin each stone's supplier lists.
- [Diamond Jewelry: the words of its pages](https://loveandcaratnewyork.com/llms/jewelry.txt): Diamond tennis bracelets and stud earrings, lab-grown and natural: how they are made, sized and chosen.
- [RSS feed of the journal](https://loveandcaratnewyork.com/rss.xml)
- [Sitemap index](https://loveandcaratnewyork.com/sitemap.xml)
- [OpenAPI description of the public API](https://loveandcaratnewyork.com/api/openapi.json)