Why should you insure your engagement ring? Doesn’t homeowners insurance—or the jewelry store’s warranty—cover it? Who has the time to figure all of this out?
Jewelers Mutual Insurance Company—with the help of Wedding Inspirasi—created an excellent infographic to help break down what’s covered with specialized jewelry insurance in comparison to other options.
Wouldn’t it be wonderful if all the complex information in our lives were broken down into one user-friendly image?
Whether you’re recently engaged or have been wearing your engagement ring for decades, is it okay to sleep with it on? The day it was placed on your ring finger was one of your happiest, so why would you want to remove it? What damage could you possibly cause while sleeping?
If you store your fine jewelry safely, clean it regularly and take it to the jeweler to be inspected when you can, it will likely stay in excellent condition.
Diamond engagement rings, however, require special consideration.
Fine jewelry often stays in storage until a special occasion comes along that calls for its glittering presence. Given that most engagement rings are worn daily, additional cleaning and care habits should be ingrained in order to have a diamond that really lasts forever.
Jewelers Mutual used their 100-plus years of jewelry protection expertise to create a guide specifically filled with time-tested advice for diamond engagement ring wearers. Get your free guide here: How to Clean & Care for Your Diamond Engagement Ring. Your beautiful diamond will thank you.
Jewelers Mutual Insurance Company offers a valuable checklist on the best steps to take when searching for a lost ring—or any piece of jewelry, for that matter. Whether you misplaced it at home, lost it in public, or somewhere in between, this checklist will be your guide and keep you focused.
Jewelry is a unique case when it comes to finding the value because it doesn’t depreciate the same way as a house or car. There are many insurance policy options out there, but it’s important to choose the one that works best for you.
That feeling of dread that trickles down through your body, starting in your throat and traveling down to the pit of your stomach …
Imagine hearing the sickening crack of metal breaking in half and reaching down to feel a jagged edge, immediately realizing your wedding band just snapped in two. You’re now overcome with a secondary wave of dread as you envision the ensuing battle with your insurance company.
This was Ann’s story, a Jewelers Mutual policyholder, and her initial reaction when knowing she’d need to make a claim.
Recreating Ann’s Ring
After her jeweler examined the ring and reported the damage irreparable, Ann said she was certain she was in for a long, drawn-out fight with her insurance. She was sure there would be disagreement on the ability to repair the ring.
Ann was, in her words, “100% thrilled at how the claims process went.” Jewelers Mutual agreed with her jeweler’s assessment and approved the re-creation of her ring.
“I was expecting a hassle and for things to take a long time. I was pleasantly surprised on both. Your employees were kind, compassionate and professional. Calls were answered quickly and I didn’t get different answers from different people. Getting a diamond back on my finger was amazingly fast.”
The Unique Cut of Jay’s Diamond
Both Ann and Amy owned traditional jewelry and their fears were directed toward the insurance process itself. Jay, on the other hand, had a more unique concern:
“The lost diamond was a very unique cut and it was difficult for our jeweler to find a replacement. [Jewelers Mutual] insisted that the replacement be the exact same cut and had a stone specifically cut for us.”
Challenging the Misconceptions
At Jewelers Mutual, we understand the common misconceptions of insurance, and we strive to combat them by offering a truly remarkable experience for our customers.
Because we are passionate about and dedicate ourselves to insuring only jewelry, we are able to appreciate Ann’s jeweler’s assessment of her irreparable ring and recognize the unique nature of Jay’s diamond.
From our coverage to policyholder benefits and jewelry care and safety tips, you can expect a stellar experience from the moment you become part of the Jewelers Mutual family.
Just ask Ann, Amy, Jay, and our other policyholders who share thanks for their Jewelers Mutual jewelry insurance.
If you have your own stellar Jewelers Mutual experience, please share it with us.