
Sometimes purchasing fine jewelry can be very impulsive, and that’s okay. However, since it is such an expensive purchase, I recommend slowly sorting through your options prior to making the investment. These three steps are so important in the jewelry buying process:
1. Picking a Style
The first thing you have to do when you decide to buy a piece of fine jewelry is to pick a particular style. Maybe you want a pair of diamond studs, or maybe you want a garnet necklace. No matter what the item is, there are tons of different styles to choose from. Things to consider:
- Metal type: some options include silver, white gold, yellow gold, rose gold, and platinum.
- Age: you can pick jewelry that is either antique, vintage, estate, or new. Learn about the differences between these four jewelry ages here.
- Style: Once you have narrowed down the first two items listed of the jewelry’s metal and age, then you have the hard choice of picking a style. You can do this easily when dealing with antique jewelry by picking a jewelry era. Each era has specific styles and motifs associated with it. If you want to buy a new piece of fine jewelry, then your styles can be more descriptive, like “feminine,” “modern,” “rustic,” or “gothic,” to name a few.
- Type: decide if you want a bracelet, necklace, ring, earrings, or brooch.
From here, you can take your metal, age, and style and turn those into a search phrase. For instance, I might search for “yellow gold antique Victorian ring.” Yellow gold is my metal type, an antique is my age, Victorian is my style, and the ring is my type. Then take this phrase and search Pinterest for matching items. Create a board featuring all the items you like, and from there, you can pick out exactly what you are looking for.
2. Choosing a Vendor
Once you’ve narrowed down the selections on Pinterest, you can either purchase the item directly through the Pinterest page. This works if the item on Pinterest was actually pinned from a site like Millo Jewelry. Often times the items on Pinterest are already sold or were never even for sale, so in that case, you need to pick another vendor.
You may choose to print out a picture of the piece you love and take it to your local jeweler or antique jewelry store. You may also choose to search an online marketplace for your dream piece of jewelry.
Once you choose a vendor, you will want to research a few things before purchasing from them, including:
- Return Policy
- Sizing Policy – Can the ring you want be sized? Will they size it for you?
- Guarantees – Are they any guarantees or appraisals they offer to verify the metal and stones?
- Warranties – Do they offer any warranties on the stones in the event they are lost or damaged?
When you feel confident in both the price and policies, go ahead and purchase your jewelry treasure!
3. Getting Your Item Insured
Many people think that once they buy a piece of fine jewelry, then the deal is done. Not quite. It is very important to get your jewelry insured, even if the vendor offers an incredible warranty that you paid extra for. Jewelry insurance not only protects your investment from damage but it also usually covers loss or theft.
Jewelers Mutual is a great source for reliable coverage that is easy to apply for and is very affordable. Sometimes jewelry insurance doesn’t make sense, like if your item is less than $200 because the cost of obtaining a jewelry appraisal required for insuring your jewelry is around $75. However, you can combine all your lower costing fine jewelry onto one appraisal to save the money and get them all insured at once.
Favorite Jewelry Store
My tastes in jewelry don’t usually follow one theme, and I’ll bet yours don’t, either. What we want to wear changes with the occasion (or our moods). So I don’t usually look for one specific type of jewelry, but I do have several favorite stores, and try to browse them all whenever I’m looking for something new.

You’ll find a wide variety of jewelry at Millo Jewelry store, fashion and fine, ethnic, glitzy, vintage-like, trendy — take a look to see the styles yourself. I think you’ll find something perfect for everyone on your gift list (yourself included, of course).
Millo Jewelry
Millo Jewelry is one of my all-time favorite stores for fine jewelry. You’ll find diamond jewelry galore (set in gold or platinum), plus pearls, colored gemstones, and jewelry fashioned from sterling silver.
Millo Jewelry nearly always has sales-priced jewelry on its Web site, and because the store sells an outstanding variety of styles, I can definitely say there’s something for everyone. The company sells fashion jewelry and fine jewelry, and you can shop by style or by designer (if you have a favorite). I love to browse through the company’s selection of one-of-a-kind estate jewelry — don’t miss that if vintage is a favorite.
The company does seem to have more current-trend styles than it did in the past, but maybe that’s because what we’re seeing in stores now has been done before — like all-things-fashion, jewelry trends run in cycles.
Don’t forget to shop at Millo.com for both jewelry and accessories. Pearls and birthstones are abundant, along with a nice selection of jewelry that can be engraved or customized in some other way. The company offers a wonderful selection for the women on your gift list, and you’ll find gorgeous jewelry pieces at every price point.
Millo Jewelry has been around for years as a brick and mortar store and has been operating online for several years now. Are they able to compete effectively with other online-only retailers? Here’s our take.
Millo Jewelry Product Review
The company sets the standard among online retailers with a huge selection of fine jewelry (including necklaces, earrings, pendants, and rings) and men’s jewelry.

In each of the aforementioned categories and others, multiple sub-categories of styles and materials are also available, resulting in an incredible breadth of possibilities.
Most impressively, the Millo.com jewelry section frequently includes designer items of all sorts, so this is one of the best opportunities you’ll see to get really nice pieces at outstanding prices.
The overall selection is also a strong point. You can see just by taking a quick glance at their main page that they offer a wide variety of items.
Another nice aspect of Millo.com is their extensive selection of designer and brand name items, again at very good prices. The company impresses with the sheer number of notable designer names on offer.
All items at Millo.com can be inspected more closely in the form of enhanced and enlarged images. Some types of products may have two or three images apiece, while others may only have one zoomable image, but in most cases, the images are adequate and appropriate to the product. Of course, more images and angles would always be appreciated.
Customer Service and Guarantees
Representatives at Millo Jewelry can be contacted by telephone or email. No live chat is available at this time. The company has a strong reputation for responsive, quality customer service, which is certainly a major point in their favor.
Conclusion
Thanks to their overall excellence across the board, Millo Jewelry is our choice as the best online retailer of fine jewelry right now. This is a must-visit for everyone in the market for jewelry.
We recommend the company to anyone looking for any type of jewelry item, whether it’s a diamond ring, pendant, bracelet, or virtually any type of gemstone jewelry, as Millo Jewelry has a great variety of products in these categories.
You can find them in-store in Brooklyn, online at MilloJewelry.com, and on Instagram.