Search Results for: blog is your engagement ring insured

Broken Ring, Broken Heart

Could there be anything worse than losing a wedding ring? I’m not sure, but there’s something that’s equally as disturbing: Losing the diamond from your engagement ring. (The real answer is actually: “Plenty!” I found that out the hard way, though. The day after I lost my diamond was D-day.) The Discovery The night before the D-day oncologist appointment, while Wayne hung out with my mom, I took the opportunity to make a run to Target. After that I needed to stop at Publix. It was en route from Target to Publix that I went to scratch an itch on … Continue reading →

The Search for the Perfect Engagement Ring

I’ll never forget going to pick out my engagement ring with Wayne. Neither of us really knew what we were doing, but I have to give Wayne credit. He actually researched what the “Four C’s” was all about so he could talk the diamond lingo. I, on the other hand, was clueless. Carats? Clarity? Color? What the heck was that all about? Just pick a pretty ring and be done with it. The saleslady brought out all kinds of settings for us to choose from. I picked all the modest diamonds. Basically they weren’t much more than chips. Wayne kept … Continue reading →

Is Your Engagement Ring Insured?

Most people are surprised to learn homeowner’s and renter’s insurance policies don’t offer full coverage for their engagement rings or other fine jewelry. The standard homeowner or renter insurance policy usually covers jewelry theft, but not other kinds of loss. Homeowner and renter policies typically have limits for loss of some types of personal property, jewelry is one of them. The standard homeowner policy will have a set maximum limit and will usually only cover theft. If the value of jewelry exceeds coverage limits, you need to make some choices on how to manage the other risks. If you have … Continue reading →

Metal Allergies

Do you have a metal allergy? If wearing earrings, bracelets, necklaces, or rings makes you itchy, you just might. Metal allergies are more frequently seen in women than in men. The most common cause of a metal allergy is nickel. Nickel is pretty pervasive — it is even found in trace amounts in soil, water, and air. It is in some detergents and makeup. Certain foods have a high nickel content, too. Whole wheat, legumes, chocolate, tea, and many canned foods have a high nickel content. Loose change doesn’t have much actual nickel content, but can cause an allergic reaction … Continue reading →

Insurance Appraisals

Overstated, over valued and false appraisals contribute to billions of dollars every year in fraudulent personal property claims. Insurance claims fraud is a real problem for both consumers and insurance companies. Insurance companies have become more concerned about the accuracy and competency of, jewelry, fine art and special personal property appraisals. Appraisals for jewelry, fine art, and collectibles should outline the compensation a policy holder will receive in the event of a loss. Appraisals also help the insurance company rate the risk and qualify it for insurance coverage. An insurance appraisal should also: Prove you own and you are in … Continue reading →