Did you know that 43 percent of engagements occur between November and January? Specifically, the most popular days are Christmas Eve, Christmas Day and New Year. With an average of 2.3 million couples who marry in the United States each year, that's a lot of engagement rings !
Engagement rings can develop a sentimental value and even become family heirlooms. It can be devastating to damage or lose a special piece of jewelry. Even partial losses can be expensive to repair: a chipped or cracked stone, a missing stone aside, and normal wear and tear can loosen causing the setting the center stone to fall. So while it may not be as glamorous as gold and diamonds used to create these beautiful baubles, insuring your expensive jewelry is a crucial step to protect them! Be sure to consider the following questions:
- What is my ring is Get the facts! A jeweler can offer you is a detailed sales receipt or evaluation, a statement of important information about the piece of jewelry that says its value. Ensure that included the "Four Cs": cut, color, clarity and carat weight. In addition, the value of your jewelry can change over time so it is a good idea to get a new assessment every three years to ensure that your article is provided for the current value.
- Does my ring come with a warranty? Some jewelers can provide a guarantee for manufacturing defects, but the majority of guarantees have very limited coverage. These often expire soon after the purchase and most have strict limits. Insurance can provide complete protection and make you feel safe knowing your valuables can be repaired or replaced should they be damaged or lost.
- Do I need additional insurance for my jewelry? Although insurance can not replace the sentimental value of an item, it can replace the dollars and cents used to purchase the item. Can you afford to pay out of pocket to replace a lost ring? Check the details of the policy of your landlord or tenant to see if there may be no coverage included jewelry, and if so, what is covered, for example: the perils deductible, and limiting the dollar . You may need to purchase a separate policy to fully ensure your jewelry.
Although insuring your engagement ring is not as romantic as planning your big day, it certainly helps to maintain peace of mind! Make sure to speak with your independent agent to ensure your valuables are fully protected.
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