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Jeweler's Mutual tells us how you can protect your most valuable, personal possession (expert advice)
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.
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
By Sarah Zlotnick
Don't forget about wedding day jewelry! We've rounded up ten stunning necklaces—and picked one for every bridal style.
1. For the Elegant Bride. Unexpected Grace necklace, $288 at Elva Fields.
2. For the Vintage Bride. Dancing Floral necklace, $125 at Ann Taylor.
3. For the Budget Bride. Seeing Bauble necklace, $27.99 at Modcloth.
4. For the Glam Bride. Sari Necklace, $334 at Nicole Miller.
5. For the Gatsby Bride. Deco collar necklace, $885 at Ben Amun.
6. For the Goddess Bride. Stone floral necklace, $98 at BCBG Max Azria.
7. For the Fashion-y Bride. Crystal Compilation Necklace, $165 at J. Crew.
8. For the Winter Bride. Crystal necklace, $98 at Lydell NYC.
9. For the Preppy Bride. Belle Fleur collar, $298 at Kate Sapde New York.
8 completely customizeable gifts your bridesmaids will actually use after your wedding day.
1. Decorative Dish
This pretty plate is the perfect spot to place jewelry before slipping into bed. Monogram glass plate, $12 at C. Wonder.
2. Rose Gold Necklace
Olive Yew's simple script letters are sweetly elegant. Rose gold initial necklace, $47 at Olive Yew.
3. iPhone Case
Comes in multiple preppy designs and colors. Emily Ley monogram iPhone case, $48 at Design Darling.
4. Signet Ring
If she doesn't already have one, a personalized signet ring is an accessory she'll keep forever. Lucky for you, this one rings up under $75! Monogram signet ring, $62 at BaubleBar.
5. Running Shorts
For the athletic bridesmaid. Coastal Link running shorts, $32 at Dixieland Monogram.
6. Asymmetrical Necklace
The off-center look is totally trending right now. Asymmetrical necklace, $220 at Maya Brenner.
7. Personalized Stationery
Put her name on a stack of notecards! Minted has hundreds of cute options—we like this simple script. $35 for 15 at Minted.
8. Canvas Travel Bags
Perfect for packing shoes, accessories, and dirty laundry when she travels. $88 for a set of three at Iomoi.
Delicate and modern, mint is a beautiful accent color choice for the fashion-aware bride that still wants to look feminine. And what better way to dress up your bridal look than with a pair of statement earrings? Here are eight pairs we're loving right now, with five coming in under $30!
1. Mint marquise drops, $25 at JewelIQ.
2. Pim + Larkin Mint Leaves stud earrings, $28 at Piperlime.
3. Kate Spade New York Fragment Cluster seaglass multi-colored stud earrings, $68 at Amazon.
4. Elizabeth Cole 'Fern' earring, $243 at Elizabeth Cole.
5. Blu Bijoux gold and mint rectangle earrings, $10 at Max & Cloe.
6. Heirloom Finds three oval drop gold tone and mint Cabochon dangle earrings, $12.99 at Amazon.
7. 'Merry-Go-Round' Earrings, $9.99 at ModCloth.
8. Loren Hope Petra earrings, $68 at Loren Hope.
Related: 10 Bridal Accessories Under $100 | 9 Statement Necklaces for Brides
Wedding dress designs are more elaborate than ever these days, often leaving little room for extra accessories. But what about the bride that can't live without her jewelry? Here's five fashion-forward dress neckline and jewelry pairings that definitely don't feel like they're trying too hard.
1. Tee Shirt Neckline + Statement Necklace
The beauty of being a bit more covered up on top is that you can go overboard on neck baubles. If your wedding dress fits more like a T-shirt, a major statement necklace will glam things up without sacrificing sweetness. Perfect Pairing: J. Crew's Dauphine gown and the Delight in What is Present necklace by Elva Fields ($238).
2. Sleek and Strapless + Long Earrings
Don't cover up those gorgeous collar bones with a big necklace! If your gown is sleek and strapless, show off glowing skin instead with delicate, dangling earrings. Sick and tired of chandeliers? Try a pair of drop down pendants instead. Perfect Pairing: Kenneth Pool Spring 2014 and Club Monaco's Long and Lean earring ($49.50).
3. Portrait Neckline + Monogram Necklace
For the romantic bride who's always looking for sentimental touches, we love the idea of accenting the curves of a lace portrait neckline with a delicate gold charm—especially if it's the first initial of her new last name. Perfect Pairing: Legends by Romona Keveza Spring 2014 and Peggy Li's Cursive Initial Necklace ($44).
4. Dramatic Collar + Demure Studs
An embellished halter makes a statement all on its own, but, if you really can't resist the extra flourish, find small stud earrings with the same finish as your collar. They'll add to the ornate effect without making you look like a medieval princess. Perfect Pairing: Lazaro Spring 2014 and the Teardrop Cluster Stud Earring by Sorrelli ($62.50).
5. Skinny Spaghetti Straps + Jeweled Headpiece
A jeweled headpiece is beautiful option for the Boho bride who wants to look a little funkier on her wedding day. Wear with dainty spaghetti straps for a carefree, beachy look. Perfect Pairing: Jim Hjelm Spring 2014 and Jennifer Behr's Delphinius Diadem Swarovski crystal headpiece ($425 at Net-a-Porter).
Related: Engagement Ring Inspiration | 9 Amazing Bridal Statement Necklaces
Follow the Jewelry Editor!
Chandelier earrings on your big day? So predictable. So to mix things up we've compiled a list of our favorite, anything-but-average studs -- and they'll all cost you less than $75.
You Might Also Like: Mint Earrings We Adore | 10 Bridal Accessories Under $100
1. For the retro bride who can't resist a bit of glitz.
Maharaja Ice Earrings, $36 at Baublebar.
2. For the Classic Bride.
Lauren Ralph Lauren Glass Stud Earrings, $32 at Bloomingdale's.
3. For the contemporary bride who still loves her sparkle.
Nadri Open Work Stud Earrings, $70 at Bloomingdale's.
4. For the glamorous bride-to-be.
B. Brilliant Sterling Silver and Cubic Zirconia Pave Stud Earrings, $70 at Macy's.
5. For the nautical bride.
Giani Bernini Sterling Silver Twist Knot Earrings, $60 at Macy's.
6. For the winter bride.
Kenneth Cole New York Silver Tone Pave Round Stud Earrings, $24 at Macy's.
7. For the garden bride.
Betsey Johnson Rose Bud Stud Earrings, $25 at Macy's.
8. For the bride that's cute as a (pearl) button.
kate spade new york Skinny Mini Bow Stud Earrings, $48 at Bloomingdale's.
9. For the traditional bride.
RJ Gaziano Holiday Stud Earrings, $30 at Bloomingdale's.
10. For the edgy bride.
Rebecca Minkoff Long Bar Stud Earrings, $58 at Nordstrom.
11. For the boho bride.
House of Harlow 1960 Pave Leather Sunburst Stud Earrings, $55 at Nordstrom.
12. For the ready-to-be-married bride.
kate spade ny "Say Yes - Mrs." Stud Earrings, $48 at Nordstrom.
13. For the beach bride.
Bling Jewelry CZ Starfish Pave 925 Sterling Silver Stud Earrings, $71 on Amazon.
13. For the princess (Di) bride.
Beaux Bijoux Sterling Silver Oval Blue Sapphire and CZ Princess Diana/Kate Middleton Earrings, $70 on Amazon.
15. For the holiday bride.
Bling Jewelry Winter Snowflake Micro Pave CZ Sterling Silver Stud Earrings, $30 on Amazon.
16. For the blushing bride.
Crystal Fan Earrings, $38 at C. Wonder.
17. For the glam bride on a budget.
Croft & Barrow Simulated Pearl & Simulated Crystal Stud Earrings, $12 at Kohl's.
18. For the vintage bride.
Crystal Trumpet Drops, $22 at Jeweliq.
19. For the preppy bride.
Gem Pearl Earrings, $55 at J.Crew.
20. For the whimsical bride.
Reach for the Moonflower Earrings, $12 on ModCloth. (PS -- Click here for 8 more mint wedding earrings we adore.)
21. For the romantic bride.
Patterned CZ Studs, $17 from The Dessy Group.
22. For the downtown bride.
Kenneth Cole New York "Marquis Stone" Faceted Gem Stud Earrings, $24 on Amazon.
23. For the old Hollywood bride.
Emerald Astro Studs, $28 on BaubleBar.
24. For the Flower Child bride.
Freshwater Girl Earrings, $11 on ModCloth.
25. For the Rock 'n' Roll bride.
Vince Camuto Rose Gold and Crystal Pave Stud Earrings, $28 on Amazon.
Before you and your significant other swap rings in front of your guests, give them the attention they deserve with a photo shoot. Below are some ideas to help you get creative!
1. Invitation Only
Photo by Katelyn James Photography
Place your wedding rings on your wedding invitations, and focus in on the month of your nuptials. Frame the photograph for a cute momento to cherish for years to come.
2. Naturally Rustic
Photos by Morgan Trinker Photography
Hang the bands off of a small branch, or etch a design into a piece of wood for a more rustic and natural photograph.
3. Fruity Fun
Photos by (from left to right): Glass Jar Photography and Katie McGihon Photography
Add some bright colors to your ring photos by placing them on fruits like grapes or lemons. Just about any fruit will add a pop of personality to the picture!
4. If the Shoe Fits
Photos by (from left to right): Hazelnut Photography and Kaysha Weiner Photography
A picture-perfect way to show off your bridal stilettos and gorgeous gems at the same time. We recommend shooting this before your walk down the aisle in case your heels get dirty.
Photos by (from left to right): Millie Holloman Photography and Kaysha Weiner Photography
If you're exchanging vows by the water, grab some seashells for a festive photo op. Not by the beach but still feeling inspired? These decor elements definitely say summer wedding, so go for it anyways.
6. Flourishing Flowers
Photos by (from left to right): Katie McGihon Photography and Weston Neuschafer Photography
What a more beautiful way to display your wedding rings than by using flowers as the backdrop? Whether you place them on the stem or at the center of the petals, the pictures are sure to exude romance!
7. Extra! Extra!
Photo by Natalie Franke Photography
Read all about it! Pick up the local paper on the day of your wedding and use it as a fun backdrop for your ring shot! Make sure the date is clearly visible.
8. A Novel Idea
Photos by (from left to right): Kaysha Weiner Photography and Katie McGihon Photography
If you and your significant other are self-proclaimed bookworms (or if you just love book decor), then this is the perfect photo backdrop for you.
NEXT: 8 Picture Perfect Ways to Display Your Dress
Now that you're engaged, it's important you learn how to take care of your ring. Here's how. (expert advice) photo by Todd Rafakovitch When it comes to engagement ring care, you'd be surprised how many women overlook the importance of ring upkeep. Just imagine – you are faithfully brandishing your ring on a daily basis with all of the everyday wear and tear that comes with your regular activities.
Whether you're scrubbing caked on grease from last night's dinner or planting seeds in your garden, chances are your engagement ring has been right along for the ride. In order to rid your precious ring of unwanted dust, dirt, and yes…dead skin particles that have come in contact with your ring, commit to memory the following engagement ring care tips:
Cleaning: For diamond engagement ring care, simply soak in warm water for at least 30 minutes using a liquid detergent. Another method for engagement ring care regarding diamond settings involves soaking your ring in a solution consisting of 50 parts ammonia and 50 parts cool water. Once out of the solution, use a soft brush to tap the front and back of the ring, in hopes of loosening any dirt. Rinse again in the solution, and then pat dry.
Wedding Ring Prongs: Engagement ring care also means that you should treat ring prongs to a bit of tender loving care. Over time, they can become weakened, bent or loose. Check your stone by holding it up to your ear and slightly tapping it. A loose stone will produce a slight rattling sound. To prevent loss of your stone, have a trusted jeweler inspect your engagement ring, provide a professional cleaning, and look over your prongs.
Storage: When not wearing your diamond engagement ring, carefully store in a separate jewelry case or individually lined compartment, which keeps diamonds from rubbing against other pieces of jewelry. This can produce a scratch.
Protection: If you engage in hard labor on a routine basis, follow the important engagement ring care tip of simply taking off your ring when doing activities, such as operating heavy machinery or construction work. This will help avoid breaks, splits, cracks, and looseness. Keep in mind that even digging in the ground while gardening can cause damage to an engagement ring – there's a lot of rocks hidden in the dirt!
Photos by Tacori
This classic-made-modern heirloom ring is positively elegant. Double diamond halos elevate your emerald cut with a stunning strings of graduating, channel set diamonds. *center stone sold separately*
Featuring a double halo of diamonds framing a princess cut center stone, this ring is designed to greatly enhance your princess cut center stone. *center stone sold separately*
A round diamond absolutely blooms in a double halo of diamonds, with streamlined, channel-set square cut diamonds arching along its gorgeous shoulders. *center stone sold separately*
Complete your Tacori set with a matching wedding band. Round diamonds channel set in miligrain and diamond reverse crescents make this a match for our “blooming beauties” engagement rings.
A band fit for a princess. Diamond eternity band, with princess-cut channel-set diamonds going all the way around the band.
Simplicity and elegance unite in this classic Tacori string of diamond, a style that looks lovely with a variety of Tacori engagement rings.
Bind your future as a couple with this unique convex satin-finish eternity band, blending milligrain detail and Tacori signature crescent silhouettes for exceptional style.
Discover a passionate union of wedding bands; for him and her with Tacori’s 5-mm band Men’s Crescent wedding band.
Display some shine with this diamond ring, featuring three bright diamonds encircled by Tacori's signature milligrain.
This cocktail ring is the ultimate style statement in stunning yellow gold, with diamonds that appear to float from your fingertips. This iconic piece perfectly captures the effervescence of champagne!
Enjoy a modern extravagance of diamonds. This strongly squared ring is a geometric delight of art-deco designs, from the Tacori Fine Jewelry Collection.
From Tacori 18k925, transparent Quartz over Neolite Turquoise makes this strong statement of style an absolute marvel in cool "Barbados" blue.
Structural crescent designs form the contours of this vibrant Rose Amethyst ring. 18k rose gold and glittering diamonds frame the stunning, cushion-cut shape.
Dazzling elongated pear-shaped rose amethyst and round prasiolite unite in fabulous 18k rose gold bold drop earrings for a look of playfully illuminating color and fashion-forward design.
Faceted candy-drop gems in Lemon Quartz, Cognac Quartz, Prasiolite, Smokey Quartz and Rose Amethyst flutter in pronged blossom kaleidoscope circlets, fastened into strands of luxe swoops of .925 silver with an 18k gold Tacori seal toggle.
Rutilated Quartz is given depth and dimension over Black Onyx. Rich 18k yellow gold diamond crescent frame displays the primally provocative charred colour, and sterling silver design elements demand attention from every angle.
We love these sweet little trinkets!
Blue Bijoux gold and crystal bow bracelet, $14 at Max & Chloe.
Dapper bottle stopper, $10 at BHLDN.
Glitter bow shoe clips, $20 at Ban.do.
Miss Dior Eau de Toilette, $75 at Sephora.
Dogeared Little Bow Earrings, $40 at Bloomingdale's.
Kate Spade Bow Terrace Cindy wallet, $229 at Piperlime.
Vickers Bracelet in Scarlett O'Hara, $58 at Kiel James Patrick.
Pink Couture iPhone 4 Case, $23.99 at Shop Ruche.
Pave bow necklace, $58 at Juicy Couture.
RELATED: Monogram Bridesmaid Gifts