Insuring Your Engagement Ring

While assurance isn't the first thing to come to mind when you think of romance, it's vital when you're buying an engagement ring. This is the ring you and your partner will have for life, and even if it didn't cost million, it's still worth insuring for a estimate of reasons. This ring has sentimental value as well as being an investment. A ring can be damaged, lost, or stolen no matter how well you look after it. Life is unpredictable, so having some peace of mind about your engagement ring will by all means; of course give you one less thing to worry about.

	Certified 500 Value Round Diamond Vintage Style Engagement Ring 14k White Gold (2 1/4 Carats, VS-2 Clarity, G Color) Product Brand : ATR Jewelry	List Price : $13,500.00 Our Price : $4,499.00 You Save : 67% Check New Price Now

Do not buy until you see more details.

================================================================== Certified 500 Value Round Diamond Vintage Style Engagement Ring 14k White Gold (2 1/4 Carats, VS-2 Clarity, G Color) Certified 500 Value Round Diamond Vintage Style Engagement Ring 14k White Gold (2 1/4 Carats, VS-2 Clarity, G Color) Certified 500 Value Round Diamond Vintage Style Engagement Ring 14k White Gold (2 1/4 Carats, VS-2 Clarity, G Color) Overviews This amazing diamond engagement ring features 14k white gold with 1.14ct round brilliant cut diamond center stone VS-2 clarity enhanced, H color surrounded by 64 round diamonds VS clarity, F color in pave setting. Width on the top is 9.9mm. Shank width is 3.6mm. Total weight is 2.23ct. Appraisal Report from AGI (Accredited Gemological Institute) for ,500 value is included in purchase. Ask about resizing. Certified 500 Value Round Diamond Vintage Style Engagement Ring 14k White Gold (2 1/4 Carats, VS-2 Clarity, G Color) Features Free Appraisal Free Jewelry Signature Box Free US Expedited Shipping Free Ring Sizing $13,500.00 Check New Price Now Available Stores US Jewelry Factory $4,499.00 (New) Usually ships in 1-2 business days

There are a estimate of different ways to insure your engagement ring. It is important to fully research the different policies before choosing which one is right for you. Here are brief overviews of each one.

Value Engagement Rings

Homeowner Policies

Insuring Your Engagement Ring

If you have a renters' or homeowners' policy, you can add ring assurance as an extension to that policy. Homeowners' and renters' policies cover the various items in your home, but typically only to a clear value. For specialized and more expensive items such as jewelry, electronics, and art, a personal asset coverage procedure extension is required to cover those singular items. While these policies are great protecting against theft or home-related damages such as flood or fire, they don't cover damage incurred around the house or whatever surface the house.

Replacement, Actual Value, And Valued At Policies

There are a estimate of assurance associates that specialize in insuring jewelry. These will cover things that are more specific to an engagement ring then a broad homeowners' procedure would.

- transfer policies allow you to receive a reimbursement for the cost of replacing the ring. If the ring was lost or stolen, you could replace the exact ring with the same diamond size, setting, and metal at the current store value. Your transfer procedure would pay more if the ring were more expensive today than when you first purchased it. Alternatively, you would not be able to recoup additional venture if the ring decreased in value

- An Actual Value procedure provides you with the cash value of your engagement ring, minus the estimate of depreciation from the purchase. In easy terms, if you needed to claim a transfer ring with this policy, you would receive a used ring price for it. These are the least expensive assurance options and typically the most common.

- Valued At policies are the most expensive and most difficult to find. You set the exact estimate of money you wish to receive if whatever happens to the ring, which can consist of sentimental value and heirloom consideration. The assurance firm is required to pay the exact estimate you set, even if it is higher than the appraisal.

After you decide what assurance procedure is best for you, you will then need to have your receipt of former purchase, as well as an evaluation from a certified gemologist. Make sure to ask as many questions as inherent of the assurance associates with regard to what procedure you have, what it covers, and what proof is needed if something happens to the ring. And remember, like with any other assurance policy, always read the fine print!

Insuring Your Engagement Ring No URL

See Also : Cheap Dimond Rings Heart White Gold Ring Golden Akoya Pearls 4 Ct Diamond Rings