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The Importance of Insuring Your Diamond Engagement Ring .pdf

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Title: The Importance of Insuring Your Precious Diamond Engagement Ring

You've arranged everything for your proposal well and in advanc. You've concentrated on
her style to pick the ideal wedding band, you've stayed inside your financial plan and
arranged the proposition correctly. Everything is almost perfect.
Nobody really wants to imagine the things that could ruin the joy of an engagement. Yet,
anything can happen. The best game-plan is to plan for any eventualities, which is the
reason, amidst all the energy and happiness felt for such a fateful event, you ought to
consider acquiring protection for your wedding band.
Regardless of the price of the diamond ring, an insurance policy will give you peace of mind
knowing that it has protection.
When considering insurance for your precious jewelry, you have these two options:

Jewelry insurance policies
Naturally, you will want to insure your priceless possession through a specialist. Such
insurance agencies usually offer comprehensive coverage. For one, depending on
your policy, you will be offered compensation for having a damaged or lost diamond
ring replaced, repaired or recreated.

Renters and homeowners insurance policies
There are home insurance policies that offer coverage for loss of any expensive
possession within your property. There are agencies that may offer full coverage for
any expensive belongings by having schedule personal property coverage. You will
have to inquire about it through your agent.

Now, how to get insurance coverage for your diamond wedding ring, necklace or bracelet?
Here’s how:
1. Have your diamond jewelry appraised by a graduate gemologist. You will need all the
information pertaining to your precious rocks when you insure it. Some insurers allow
you to apply for insurance even before the appraisal is completed. What’s important is
you have your jewelry insured as soon as possible.
2. Find out if your home or your fiancé’s homeowner’s insurance will cover your expensive
possessions. If not, you will then need to apply for such policy. You will also need to
know whether your home insurance covers mysterious disappearance, loss or damage of
prized goods. You should also find out how you are going to file a claim should your
diamonds be lost or damaged.
It’s also important to note that each insurer offers different premiums and coverage. Most of
all, you should compare each policy to what is being covered. To know whether you are
getting your money’s worth, the rule of thumb is to pay $1-$2 for every $100 of the
replacement value.
By considering seeking out insurance for such luxurious items, like your diamond
accessories, you and you bride-to-be will have confidence knowing your possessions are
taken care of.

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