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In thinking of all the valuables we insure, your wedding ring should be at the top of the list. After all, it isn’t just raw metal and stones, it’s a physical symbol of your everlasting love and the most important promise that you’re ever going to make, or that you have made. But for some reason, we seem to forget about it. Before I had an engagement ring, the thought of fine jewelry insurance never even crossed my mind. But as I’m sure most of you have experienced, from the second your soon-to-be Mr. slides that ring onto your finger – it means way more than any monetary value it could ever hold. Which is why we’re talking about Jewelers Mutual Insurance Group today. It was started by jewelers for jewelers over 100 years ago, and since they only cover jewelry, they do it better than anyone else. They will insure your most important fine jewelry, especially your engagement ring – for its actual worth.

Know Your Coverage

No one ever likes to discuss insurance. But at the same time, no one likes to lose a jewelry piece valued at thousands of dollars. That could happen unless you know your coverage. Did you know that standard homeowners and renters insurance policies have limits on the value of personal jewelry items they cover? Typically, policies require additional jewelry-specific “riders” to guarantee jewelry items valued at more than a $1000 or so dollars are covered. Even then, the coverage may not cover the way you live your life. And if the coverage does work for, it’s important to know specifics about the policy like ability to work with the jeweler of your choice, replacement with same vs. like kind and quality, and even worldwide coverage. I don’t know about you, but I’d prefer to put my trust and my special jewels in the hands of those who actually specialize in jewelry insurance rather than homes and cars.

Enter Jewelers Mutual® – a company that’s been insuring jewelry (and only jewelry) for 105 years. Customers choose Jewelers Mutual® over other insurance options because:

• They offer worldwide travel coverage, yep, wherever you go, you’re covered
• They allow you the flexibility to work with your own jeweler for repairs and replacements, amazing!
• Their plans cover loss, theft, damage and mysterious disappearance (when you literally can’t identify if your piece was stolen or lost, but you know its gone…)

Protect What Matters

If your most special piece of jewelry is your engagement ring, an heirloom necklace or even a rose gold Apple Watch – you can insure it with Jewelers Mutual. No matter the type of jewelry you insure, it will be protected with their comprehensive coverage created to fit your unique lifestyle. Loss, theft, damage, and disappearance of fine jewelry is an unfortunate part of life and when it happens to you, the last thing you should worry about is how to repair or replace that cherished item. Jewelers Mutual strives to replace pieces lost and damaged with the same kind and quality of piece (if you lose a Tiffany® diamond – they will make sure your replacement is a Tiffany® diamond) returning policyholders to the same position that they were in before the loss. Combined with knowing that you’ll be able to work with your own jeweler for repairs, it’s the ultimate in peace of mind.

DIY Jewelry Cleaner

I thought you creative babes would love this quick little video, learn how easy it is to make your own jewelry cleaner in about 10 seconds. Clean your bling each week, especially if you apply lotions and perfumes regularly, and make a note to visit your jeweler twice a year for a professional cleaning and inspection.

Request A Free Quote

Whether you’re recently engaged or already married, Jewelers Mutual makes getting a free online quote quick and easy. In just a few clicks you can recieve a personalized insurance quote for your engagement ring and all other fine jewelry items. Your very own peace of mind is less than a minute away!

Underwritten by Jewelers Mutual Insurance Group, Neenah, WI. Coverage and pricing are subject to underwriting review and approval and to policy terms and conditions. Compensation for this post was provided by Jewelers Mutual Insurance Group in partnership with BrideClick. All opinions expressed within this feature are those of the author.