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Around here we greatly value our gems, especially wedding rings… and we are sure that you do too! So today we are discussing the best ways to protect your bling, most importantly jewelry insurance. For couples, especially those that do not own a home, an engagement ring or wedding ring can be one of your most valuable assets. One that shouldn’t be overlooked. Jewelry insurance is necessary because unexpected accidents happen every day – especially with something as small as a ring. And we all know that when it comes to engagement and wedding rings, they are more than just jewelry; they are a tangible promise of your everlasting love, commitment and respect for each other.

A jewelry insurance policy, like the ones offered by Jewelers Mutual Insurance Company, gives individuals broad, comprehensive coverage for whatever jewelry you want to protect. A standard homeowner policy typically includes coverage for jewelry and other valuable items but the limits of liability are traditionally quite low, and if you don’t own a home – well, you’re out of luck. The coverage, customer care, and claims process from Jewelers Mutual are tailored to jewelry, and only jewelry, and have been since 1913. They provide world-wide repair and replacement coverage for lost, damaged or stolen jewelry pieces. They strive to replace those pieces with same kind and quality piece (if you lost a Hearts On Fire® diamond – you deserve to get back a Heart’s On Fire® diamond) returning policyholders to the same position that they were in before the loss. More importantly they work with a policyholder’s jeweler of choice to conduct repair or replacements – providing additional peace of mind during a stressful experience.

10 Tips to Protect your Jewelry

1. If you plan on removing your rings at home to wash dishes or take a shower, keep a designated bowl or container to put them in. That way you’ll always know where to look.

2. Get into the habit of double-checking for all your jewelry when leaving a public bathroom. Wet, soapy hands can cause a ring to fall straight into the trash can, or down an open drain.

3. Remove jewelry before swimming. Fingers constrict in water making rings more likely to fall off.

4. When you’re in a public, bustling place that seems unsafe or unfamiliar, turn your rings backward so the jewels face your palm, and tuck pendants into your shirt where no one can see them.

5. Keep a detailed list of all your jewelry in your home, separately from where your jewelry is stored. If possible, also keep photos. This will make filing a claim in the event of theft or loss much easier.

6. The best way to keep a valuable or extensive jewelry collection secure is to purchase a fireproof safe.

7. When not wearing your jewelry, place each item in a separate soft compartment or container. This will assure they don’t scratch, stretch or tangle.

8. Some gemstones are prone to fading, so make sure to store jewelry away from constant sunlight.

9. Pearls can be easily damaged by an array of personal products like cosmetics and lotions, so keep them away from such items.

10. Give yourself peace of mind by insuring your pieces. If you think your jewelry is covered by an existing policy, read it thoroughly and evaluate whether or not you’re comfortable with the level of coverage.

Jewelry insurance is quite is easy to obtain. For a free insurance policy quotes and more jewelry care and traveling tips – please visit PerfectCircleInsurance.com.

Images courtesy of:

Carmen Ash Photography // Jen Harvey Photography // Jennefer Wilson // Kate Connolly Photography // Jami Thompson Photography // Captured by Corrin // Angela Fortin Snyder Photography // Photographs by Caileigh // Walking Eagle Photography // Palm Beach Photography