Protect Your Ring with Jewelry Insurance

LeeJewelryEditor
0
Comments

 

Jeweler's Mutual tells us how you can protect your most valuable, personal possession (expert advice)

Protect Your Ring: The Latest on Jewelry Insurance article photo

By Project Wedding for our sponsor, Jewelers Mutual

 

He proposed. You said yes.  Now What?

Your engagement and wedding rings could be the most meaningful jewelry you’ll ever own. So what happens if you drop your ring down the garbage disposal? What if you take a chip out of your diamond? What if that heirloom piece mysteriously disappears during a swim? Avoid an unfortunate loss (and that awful feeling in the pit of your stomach) by looking for the right insurance for your rings.

http://s3.amazonaws.com/wedding_prod/photos/bd2fc97a85587c6c40921e6ee0635296_m

 

Are you really covered?

Many brides and grooms assume homeowner’s or renter’s insurance is all the coverage they need. But you may be surprised at what homeowner’s insurance doesn’t cover. Since those policies are created to cover things like sofas and stereo equipment, they don’t always cover a broken prong or chipped diamond. They rarely replace a ring that mysteriously slips off at sea or is left on a hotel room sink. And if you lose just a part of the ring, say a gem or a diamond, homeowner’s insurance could leave you lacking. Most importantly, the fire and theft coverage on a homeowner policy is usually limited to $1,000. Your wedding rings could easily be worth five times that much. 

 

Consider jewelry insurance.

There are insurers who specialize in protecting your precious jewelry and cherished memories. A company like Jewelers Mutual Insurance can give you broader coverage than your homeowner’s insurance policy. As jewelry insurance specialists, they create policies that cover nearly every situation such as jewelry loss or theft, damage, partial loss, even those mysterious disappearances.  

 

Not just any insurance.

Chances are, a jewelry insurer will better understand the sentimental value of your jewelry. With certified jewelers and gemologists on staff, they can work closely with you to repair or replace your ring so it’s as beautiful as the day you got engaged. While many insurers require that you work with their replacement company, a personal jewelry policy often lets you choose the jeweler you want to fix or replace your ring. Also, making a claim with a jewelry policy doesn’t drive up your homeowner’s premiums. 

 

How valuable is valuable? 

Personal jewelry insurance isn’t just for some vast collection of jewelry. After all, it’s the meaning behind your ring that makes it invaluable. So make certain you get a complete appraisal from a respected jeweler. (If you have other jewelry you haven’t had appraised in some time, this would be the perfect time to bring those pieces as well. The value of gold and diamonds has soared recently, and your jewelry may be worth more now than it was just a few months ago). Give yourself peace of mind; jewelry insurance is more affordable than you think!

See more tips on how to protect your cherished memories, at www.insureyourjewelry.com

 

1
Last Updated: July 13, 2014 at 7:17 pm
Tags: Jewelry
0
Comments
Log in or Sign up to post a comment
Other ideas in Jewelry Tips by LeeJewelryEditor
1375583034_thumb_1372367914_content_1371658899_real-wedding_robyn-and-ben-fort-lauderdale_9 1375583000_thumb_1371047475_content_7402e03b43cc7adb205ee23c368e5632_m 1375583027_thumb_1372170104_content_edeb66778dfb07bd1be733351335ad7c 1375582973_thumb_1369689570_content_6b008c1107fbd7f091269926a69710d6_w2a 1375583025_thumb_1371157518_content_6d81f0b086e3072b9dbbbc2b8b55b9f4 1375582981_thumb_1369690475_content_95ac1401b45fe6ef73282e7edfa28f9b_w2a

Find Your Wedding Vendors

Featured Vendors Near You

You Might Also Like These Photos...
Chat About It