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Engagement Ring Insurance

Engagement Rings
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Engagement rings are precious items, which is why it makes sense to look into the prospect of engagement ring insurance. All sorts of bad things can happen to engagement rings after the bent knee, among them loosened or lost stones, wear and tear, or even losing the ring. We have even seen rings get bent in a car door! Every day wear and tear can take it's toll on the safety of your ring. All of these items can be expensive to repair or replace so it's better to look to insurance to fix a dinged ring than to pay for it out-of-pocket. Guys, this is your responsibility. While some women might prefer to shoulder this expense for their own engagement rings, the task generally falls on the fellow who slips the ring on the girl's finger. You take care of her wedding and engagement rings and she (and her mom, and sisters, and aunts, and grandmothers) takes care of all the other details.


Solitaire Rings

Solitaire Rings

Rings With Sidestones

Rings With Sidestones

Matching Bridal Sets

Matching Bridal Sets

Sareen Engagement Rings

Sareen Engagement Rings

Tension Rings

Tension Rings

Three Stone Rings

Three Stone Rings

Tulip Collection

Tulip Collection

Tulip Matching Bridal Sets

Tulip Matching Bridal Sets

Engagement rings can be insured in a variety of ways, one of which is through your standard homeowner's or renter's insurance. This is impossible to take advantage of, however, unless your betrothed is actually living with you. If this criterion is met then her engagement ring is at covered in the case of theft or some home-damaging event such as a tornado. Dropping engagement rings into a running garbage disposal or losing them outside the home generally isn't covered. If you look closely at your policy, you might even find that additional coverage for wedding and engagement rings can be added as a rider for a few dollars per month. Naturally, there will be a deductible but, nonetheless, don't sniff at the homeowner's option because in some instances it can be a lifesaver. After all, engagement rings are prime targets for thieves, which is why you'll find so many nice ones at pawnshops.

You can also purchase insurance specifically for engagement rings, and you don’t have to go to Lloyd's of London to do it. Some insurance providers and jewelers are happy to write policies for engagement rings. You can acquire policies that cover the actual value of the ring, or even the amount that you value it at -- assuming such intangibles as sentimental value, heirloom qualities, or the time and trouble posed by replacement. The more common (and best) policies offered for engagement rings are those that provide for full replacement value. Since prices for precious metals and gems fluctuate, you might otherwise find that your engagement rings are worth much more than you paid for them and that you'll have to dig deep to replace them just as they were.

Two companies that provide insurance specifically for engagement rings are the Chubb Group and Jeweler's Mutual. Unlike homeowner's insurance, there is usually no deductible, you'll get full coverage, the insurance is for anything that may befall your engagement ring (whether it falls into the disposal or drops off while you're diving in the Aegean Sea), and the replacement generally comes as a cash settlement, so you can pick where you want to buy your replacement ring. Expected to pay an annual rate of about $30-40 per $1000 value. Before you balk, consider this: $300-400 really isn't so much to pay to replace a $10,000 engagement ring, now is it?

Remember, wearing a ring every day will take it's toll on the ring. At Novori Jewelry we recommend that you have your diamond engagement ring inspected for safety at least every year and then have adequate insurance for the ring. Novori Jewelry is not responsible for any losses you might encounter and we know the world is a harsh place for a diamond ring. Keep your ring as safe as possible.

 

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I'd just like to tell you that my fiance purchased my engagement ring from you, and it is absolutely beautiful! He had wonderful things to say about his experience with your company. Thank...
Amanda

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I just wanted to send you a quick note thanking you for the INCREDIBLE job you did on my fiance's ring. I appreciate all of the work that you did on the ring and for...
Stephan

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I just got home from my trip to New York. THANKS A LOT!! The rings arrived yesterday. We had been out and when we returned, the FEDEX box was in my room...
Jennifer

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Just wanted to give you a quick THANK YOU... you helped me out a lot with this whole situation. The diamond ring is safe at my home. Thank you so much for your help and...
Ryan

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I received my diamond today and I wanted to say thank you the diamond was stunning. I was so excited to receive it and was very happy when my jeweler kept commenting on how...
Barbara

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Warren & I would like to thank all of you involved in assisting us with the purchase of our engagement ring. It was very professional and timely considering our travel plans and was thorough to...
Anastasia & Warren

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Thank you we received the rings today and they are stunning. You have exceeded our expectations and I appreciate your wonderful service. Craig has already forwarded your website via email to two different friends who...
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The ring came in and it's absolutely PERFECT and beautiful. I cannot believe how much I like it, and she loves it as well. Thank you very much for all of your help...
Chris

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I just like to say that you have provided exceptional customer service and all my expectations have been met. I had my diamond ring appraised in Canada and it was exact to specs even...
Andrew

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Ring arrived today. It looks amazing, Thank you for the hard work to get it together and shipped to me so quickly. Let's hope she says yes!...
Paul

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Hey, I got the ring yesterday in the mail. The ring looks even better than the picture, and I appreciate the speedy delivery. If I have need of more jewelry for my future...
Kelly

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I have received the appraisal. I truly appreciate your help and quick response. Novori is definitely a great company and I am going to recommend your company to all of my friends and family....
Ricardo

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Thank you for your help in selecting our engagement ring. You were very patient with all of our questions and we were pleasantly surprised at how beautiful the diamond was. We could not...
Justin

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I just wanted to let you know that I received my ring last week. There were delays over the weekend in customs. The ring is very nice. I just had it appraised...
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I just wanted to let you know I received the engagement ring I purchased. It's exactly what I wanted. Simple and elegant, thanks so much I'm sure my girlfriend will love it....
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