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0.86 Carat Genuine Ruby and White Diamond 14K Yellow Gold Pendant 0.86 C.T.W 14K yellow or white gold - view 1
0.86 Carat Genuine Ruby and White Diamond 14K Yellow Gold Pendant 0.86 C.T.W 14K yellow or white gold - view 2
0.86 Carat Genuine Ruby and White Diamond 14K Yellow Gold Pendant 0.86 C.T.W 14K yellow or white gold - view 3
Gemstone Pendants

0.86 Carat Genuine Ruby and White Diamond 14K Yellow Gold Pendant 14K yellow or white gold | I1 Clarity, [H,I] Color | AA Gemstone Quality

$2,144 Save 48%
$1,121

Wire transfer price: $1,104 (save 1.5%)

Total Carat Weight: 0.86
Gem Quality: Popular (I1 clarity and H,I color · AA Gem Quality)
About This Quality

Our "Popular Diamond Quality" is for people who want to get very nice diamonds at a great price. You get a little less clarity in the stone but a very nice H,I color. Great for those shopping on a fixed budget or looking for a larger Carat Total Weight.

Your colored gemstones at this quality level are graded AA — high quality with minor inclusions that are generally eye-clean.

Learn more about our diamond qualities →
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Family-Owned Since 1999 — The USA Jewels Advantage
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About this Pendant

Stone Summary

Gem# of StonesTotal WeightClarityColorCut
Ruby1N/ASlightly includedMedium dark, slightly pinkish redGood polish
Diamond220.06 ctI1H,IGood polish

Stone Map

#Stone
17x5 mm. Pear Shape Ruby
220.0025 carat Round Brilliant White Diamonds

About these Earrings

An appraisal is a document stating the approximate retail replacement value of an item. It is calculated using current market data, which reflects typical retail prices. The appraisal includes the cut, color, clarity, and either carat weight for diamonds or millimeter dimensions for gemstones, and the craftsmanship of the item. Your appraisal ensures that in the case of loss, theft, or damage your insurance company will give you an equal replacement of your item. The more information contained in the appraisal, the better chance you have of receiving the exact replacement for that item. Your insurance agency can rely on this appraisal to calculate a coverage rate for your diamond or piece of fine jewelry.

Sample Appraisal Report (Included with your Purchase)

Appraisal

Obtaining an Independent Appraisal Report

IGI (International Gemological Institute is one of the Worlds Largest Independent Grading and Accreditation Services Providers. IGI offers appraisals for insurance coverage, estate tax, equitable distribution, marketable cash, and financial auditing purposes.

IGI appraisals are priced based on the total weight of your purchase.

Allow for an additional 5 business days for your purchase to arrive from IGI with their appraisal.

IGI Appraisal
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Frequently Asked Questions

All You Need to Know About Ruby Pendants

How do I choose a quality ruby for pendants?

Selecting Quality Ruby

Color is everything with rubies. The best stones show vivid, saturated red without being too dark. Some rubies display a silky sheen or asterism (star effect). Natural inclusions are common and help distinguish natural from synthetic stones.

  • Color: Rubies range from pinkish-red to deep blood red. The most prized color is "pigeon blood"—a vivid, pure red with a slight blue undertone. Burmese rubies are legendary for this color. Slight pink or orange tints are common and can be attractive.
  • Hardness: 9 on the Mohs scale
  • Birthstone: July
What ruby pendant styles are most popular?

Popular Ruby Pendant Designs

A ruby pendant showcases the stone's red color right at the center of attention. Solitaire pendants keep things simple and elegant. Halo designs surround the stone with diamonds for extra sparkle. Bezel settings offer a sleek, contemporary look while protecting the gemstone.

  • Solitaire: Single stone, timeless elegance
  • Halo: Diamond surround amplifies size and sparkle
  • Bezel: Modern frame, excellent stone protection
  • Drop: Elongated design creates a flattering line
  • Heart: Romantic shape, meaningful gift choice
What chain length works best with a ruby pendant?

Choosing the Right Chain

Chain length determines where your ruby pendant sits and how it looks with different necklines. A 16-18 inch chain places the pendant at the collarbone for a classic look. Longer chains of 20-24 inches create a more relaxed style and work well for layering.

  • 16 inches: Sits at the collarbone, choker-style
  • 18 inches: Most popular, works with most necklines
  • 20 inches: Falls below the collarbone, relaxed look
  • 24 inches: Lower placement, great for layering
How do I care for my ruby pendants?

Care and Maintenance

Ruby is extremely durable with a hardness of 9 on the Mohs scale—second only to diamond. Safe for daily wear. Clean with warm soapy water, soft brush, or ultrasonic cleaner. Avoid high heat for treated stones.

  • Clean regularly with warm soapy water and a soft brush
  • Store separately from other jewelry to prevent scratches
  • Remove before swimming, exercising, or using chemicals
  • Have settings checked by a jeweler periodically
  • Avoid exposing to extreme temperature changes
What makes ruby pendants a good gift?

Ruby as a Gift

Known as the "king of gems," ruby symbolizes passion, courage, and power. In ancient cultures, rubies were believed to contain the flame of life. Traditional gift for 15th and 40th anniversaries. As the birthstone for July, ruby pendants make especially thoughtful gifts for July birthdays. Beyond birthdays, ruby pendants are perfect for anniversaries, holidays, and any occasion where you want to give something meaningful and lasting.

  • Birthstone: July's birthstone
  • Symbolism: Known as the "king of gems," ruby symbolizes passion, courage, and power. In ancient cultures, rubies were believed to contain the flame of life. Traditional gift for 15th and 40th anniversaries.
  • Occasions: Birthdays, anniversaries, holidays, milestones
  • Value: Beautiful, meaningful, and lasting

Buyer's Guide

Diamond Pendants Buying Guide

A diamond pendant sits at the center of your neckline, making it one of the most noticed pieces you'll wear. Getting it right means understanding size, setting, and chain pairing. Here's your guide.

Choosing the Right Size
Pendant size should work with your frame and neckline choices:

0.25-0.50 carats: Delicate and subtle. Works with high necklines and layering.

0.50-1 carat: The versatile range. Noticeable without overwhelming.

1-2 carats: Significant presence. Best with lower necklines that give the pendant room.

2+ carats: Statement pieces. Special occasions or bold personal style.

Consider your height and build. What looks proportionate on a petite person might look small on someone taller.
Learn About the 4CsLearn About Pendants
Popular Diamond Shapes
Round brilliant: Maximum sparkle, classic choice. Works with everything.

Princess: Square shape with lots of fire. Modern, geometric.

Pear: Teardrop shape elongates the neckline. Elegant and distinctive.

Oval: Similar sparkle to round, looks larger for the same carat weight.

Heart: Romantic statement. Quality matters—poorly cut hearts look off.

Marquise: Football shape, very distinctive. Vintage appeal.
Learn About the 4Cs
Setting Styles
Solitaire: Single diamond, simple bail. Classic and timeless. All attention on the stone.

Bezel: Metal rim surrounds the diamond. Modern, secure, low profile.

Halo: Small diamonds encircle the center stone. Makes the pendant look larger, adds extra sparkle.

Three-stone: Center diamond flanked by two smaller stones. Represents past, present, future.

Cluster: Multiple small diamonds grouped together. Budget-friendly way to get the look of a larger stone.
Learn About PendantsLearn About Settings
Bail Types
The bail connects the pendant to the chain:

Fixed bail: Permanently attached to the pendant. Simple, secure, pendant faces forward.

Hidden bail: Bail connects behind the pendant, invisible from front. Clean look.

Diamond bail: Bail set with small diamonds. Extra sparkle, elevated look.

Swivel bail: Allows pendant to turn. Can prevent chain twisting but may not always face forward.

Make sure the bail opening fits your chain. Some bails only work with thin chains.
Learn About Pendants
Chain Pairing
The chain matters more than most people realize:

Length: 16" sits at the collarbone (choker length). 18" is the most versatile. 20-24" falls lower on the chest.

Style: Cable chains are classic. Box chains are sleek and strong. Wheat chains have a woven look.

Thickness: Match chain thickness to pendant weight. Heavy pendants need thicker chains.

Metal: Match your pendant metal or intentionally mix. Platinum chains are strongest but heaviest.
Learn About PlatinumLearn About Metals
Quality Considerations
For pendants, prioritize in this order:

1. Cut: A well-cut diamond catches light beautifully at center chest, where everyone looks.

2. Color: G-H looks white and saves money. For white metal settings, don't go below I.

3. Clarity: VS2-SI1 is ideal. The pendant is close enough to see, but tiny inclusions still disappear.

4. Carat: Get the best quality you can afford in your target size range.
Learn About the 4CsLearn About Pendants
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