Question: I have watched this movie many times but still do not know the logical thinking behind it. If all this time Rose kept "Heart of the Ocean", then why did she ask Brock Lovett in the beginning of the movie by saying "I was just wondering if you had found The Heart of the Ocean yet, Mr. Lovett?"
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Chosen answer: The primary reason for the question is to prove to Brock that she is, in fact, Rose DeWitt Bukater. The insurance claim for the Heart of the Ocean diamond was paid under strict secrecy. As such, few people, including Rose, would even know of its existence. Another underlying reason might be as a private taunt. Rose sees Brock Lovett for who he is - an opportunist plundering the Titanic for riches. I imagine she finds him somewhat distasteful, so she amuses herself by asking a question to which (we all later discover) she knows the answer.
Michael Albert