Diamond engagement rings with beautiful shanks (band), clockwise from top-left: hammered band, double halo cushion cut with split shank, twisted shank, filigree shank, princess cut diamond with split band, delicate pave shank
Why is a specialized jewelry insurance important when it comes to protecting one of your most prized possessions? We’ve teamed up with Jewelers Mutual Insurance Company to talk jewelry coverage, plus a look at some of the gorgeous engagement ring trends we’re loving for 2015.
There’s always a great story behind an engagement ring. Some people spend years looking at rings before finding the one, while others love the sentiment of passing down a family heirloom (speaking of which, don’t you think the rings featured below are totally heirloom-worthy?).
Antique and vintage-inspired engagement rings: French Art Nouveau ruby pearl ring, Art Deco style ring, Victorian style engagement ring, “Zeus and Hera” ring, vintage Edwardian, ring with open-work setting. Center: 1880’s antique gold ring
In any case, you wouldn’t want to lose such a cherished token of love, which is why it is important to get your ring insured.
Coverage beyond standard homeowners policies
Standard homeowners policies may only provide limited jewelry protection, often excluding jewelry damage and loss. An important part of Jewelers Mutual® coverage is the replacement of lost jewelry and repair of damages.
“Real life” covered
You live in your jewelry, and in the course of your daily life, gemstones may get loose and prongs may get damaged. If a piece of jewelry went missing, you can’t always pinpoint how or where it happened.
Jewelers Mutual covers loss, theft, damage and mysterious disappearance. And yes, the coverage applies worldwide, meaning peace of mind when you travel, whether it’s for your honeymoon or for work.
Like-for-like replacement
Jewelers Mutual jewelry experts, including on-staff, certified gemologists, know that the value of a diamond goes beyond the “4 C’s.” Name-brand jewelry like Cartier or Harry Winston will be replaced with jewelry of the “same kind and quality”, meaning the replacement ring would be virtually indistinguishable from the original.
Engagement rings with colored gemstones, clockwise from top-left: purplish pink diamond, seafoam green amethyst, pastel pink rose quartz, aquamarine diamond, fancy yellow diamond, purple amethyst
Choose your own jeweler
Losing a piece of valuable jewelry is painful enough, but to add to the frustration, many homeowners and renters policies may request customers to use jewelry repair or replacement companies within their network, or to obtain several estimates before proceeding with a claim. Talk about added stress! With Jewelers Mutual, you work with your own trusted jeweler – no multiple estimates needed!
For 101 years, Jewelers Mutual has been exclusively insuring jewelry. Learn more about specialized jewelry insurance by Jewelers Mutual Insurance Company.
