That's not a 4ct ring, maybe 1ct, but still 8 or 9k easily.
We went through the same thing, my wifes ring was stolen from her purse at work along with her iPod etc.
Stupidly I didn't get additional insurance for the ring (never even thought of it) and although we had the Gold level of home insurance from TD it only covered $3000.00 of it.
Super shitty
2017 VW Jetta 1.4T (winter car)
2010 F-350 Nortruck Tool Shed
2007 BMW 5 (Wifey's)
2004 Audi A4 1.8T 6spd Stage III w/ Meth
1985 F-250 6.9L IDI w/ATS turbo