Loose Diamonds Search

Engagement Ring Insurance

Engagement Rings
View our engagement rings here.

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.

 

Related Articles



diamonds Best diamond prices online
loose diamonds Free FedEx shipping to the USA
engagement rings No risk 30 day money back guarantee
diamond rings All engagement rings are made in the USA
wedding rings Registered with the Better Business Bureau
certified diamonds Huge selection of high quality diamonds
  More Reasons >>

I recently purchased an engagement ring through your site. I just wanted to say thank you for providing such a wonderful product at such a great price. I searched numerous web sites and yours was...
Kendall

View More


Absolutely beautiful. Again, thank you for all your help. I look forward to working with you in the future and letting all my friends know about your website....
Dan

View More


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

View More


Thanks you once again for your valuable advice, patience and creative jewelry expertise. My wife’s ring design caused considerably more ooo’s, ah’s and wow’s than we ever expected. At a time of many sensitive...
Douglas

View More


I wanted to thank you and everyone else at Novori. I received my ring on Friday and was absolutely blown away. You all did a wonderful job. Thanks again....
Jason

View More


I wanted to take the time to drop you a note to express how delighted I am with the entire experience for purchasing the rings from Novori. From the outset, starting with the exceptional design of...
Darren

View More


I wanted to drop you a line to let you know how satisfied I have been with your products and service. I ordered both my fiance's engagement ring and my wedding band from Novori...
Vince

View More


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

View More


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

View More


I am pleased to inform you that I received yesterday the engagement ring. It is beautiful - excellent job. Thank you so much. I will recommend your website....
Jean

View More


We are very excited and so happy with the product you produce. Thanks for being so understanding and helpful throughout the process. Novori is definitely our recommended jeweler for the people who talk to...
Robert

View More


Received rings. Wanted you to know that you did an excellent job making and packing the rings. The look on my fiancee's face was worth every cent. Bookmarked your web page so I...
Eddie

View More


I got my ring this morning and all I can say is wow! Thank you for all your time and patience working for me. Have a great day....
Robert

View More


I found Novori through the internet. The website was very easy to use and assisted me in building my own ring. After doing so, I thought a mistake was made so I called,...
Zach

View More


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...
Scott

View More



Diamond Jewelry Member
Novori BBB


Diamond Rings Payment Options

Credit Card Processing

 
  |    Home  |   Contact Us  |   Payment Policy  |   Return Policy  |   Privacy Policy |   Engagement Rings News  |   Diamonds  |   SiteMap  |  
   
  © 2004-2014 Novori Jewelry Inc. All rights reserved.     Terms and Conditions