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Do you have cherished family heirlooms? A new engagement ring? A favorite pair of diamond studs? If so, you should make sure that you protect yourself and your belongings.
How do you protect them? First, insure it. And when you do, be mindful that partial losses, such as chipped stones, aren’t covered under typical homeowners policies. A better option is a rider on your homeowners policy.
Any jewelry that is worn everyday, such as an engagement ring, is more susceptible to damage or loss. And because an engagement ring is often the most expensive jewelry a woman will own, it makes sense to make sure it is insured.
More than half of the company’s claims are partial losses. Losing a stone from a ring is one of the more common instances. Winter gloves are notorious for catching on prongs and loosening ring settings.
Diamonds are still the favorite stone for engagement rings and, contrary to popular belief; a sharp strike on a hard surface can easily chip a diamond. Even washing dishes in a ceramic sink can cause chipping.
Water sports are another culprit for loss. Your fingers constrict when they’re cold, so losing a ring while swimming or snorkeling presents a very real risk. Any sporting activity, in fact, can be hard on jewelry.
When insuring jewelry, check your coverage. On basic homeowners policies, jewelry is protected for only certain causes of loss. Damaging an item, or losing all or part of one, typically are not covered losses. Theft is often limited to $1,000. You can “schedule” your jewelry on your homeowners policy. It will cost an additional premium, but provide better coverage.
A stand-alone, specialized policy, provides broad coverage, and won’t jeopardize your existing homeowners policy if a jewelry loss occurs.
Jewelers Mutual Group has provided the content on this page.
We’ve collaborated with Jewelers Mutual, the leader in jewelry insurance, to remind you of the importance of protecting your beautiful and timeless jewelry from loss, theft, damage and even disappearance. Whether it’s an engagement ring or a gift to yourself, protecting your jewelry is quick, easy and allows you to wear without worry.
A policy from Jewelers Mutual typically costs 1—2% of the jewelry’s value per year and checking how much it will cost you takes less than a minute.
Make sure to enter my four-digit jeweler code 4464 when requesting your free no-obligation quote directly from Jewelers Mutual using the button below.
More than half of the company’s claims are partial losses. Losing a stone from a ring is one of the more common instances. Winter gloves are notorious for catching on prongs and loosening ring settings.
Diamonds are still the favorite stone for engagement rings and, contrary to popular belief; a sharp strike on a hard surface can easily chip a diamond. Even washing dishes in a ceramic sink can cause chipping.
Water sports are another culprit for loss. Your fingers constrict when they’re cold, so losing a ring while swimming or snorkeling presents a very real risk. Any sporting activity, in fact, can be hard on jewelry.
For over 100 years, Jewelers Mutual has been offering jewelry protection from loss, damage, theft and even disappearance. Your most prized jewelry possessions don’t simply reflect light, they are reflections of you and of life’s most important moments. When you’re covered by Jewelers Mutual, you have the ability to wear your jewelry without worry.
