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In the movie, Lovett says the Heart of the Ocean is worth more than the Hope Diamond.. The Hope Diamond is currently insured for $250 million, and is sometimes considered to be worth up to $320 million, so the Heart of the Ocean would be more than that.
In fact, the Smithsonian has always looked at the Hope Diamond as a source of good luck! The source of this story is the book Odd Tales from the Smithsonian (Smithsonian Institution Press, 1986), written by Peggy Thomson and Edwards Park.