Sunday, June 3, 2007

Insuring Your Wedding Ring

It's more than just a fashion statement. A wedding ring is a symbol of everlasting love and commitment. So it goes without saying that insurance is probably not the first thing that comes to mind when you glance down at the wedding ring on your finger. But while insurance can never replace the sentimental value of a wedding ring, it can give you some peace of mind in knowing that it would be covered if something ever happened to it.

Making sure you have proper coverage

Your homeowners/renters insurance policy won't cover your wedding ring if it is lost. However, it will probably cover your wedding ring to some extent if it is stolen. Keep in mind that you'll need to check your policy, since a coverage limit may apply for certain types of personal property (in this case, your ring). If you want to make sure that your wedding ring is covered for loss, or if the value of your wedding ring exceeds the coverage limits on your homeowners/renters insurance policy, you may want to look into purchasing either a floater or a stand-alone policy.

A floater provides you with a specific amount of coverage for your ring based on its appraised value. With a floater, the insurance company has the option of paying the appraised amount or replacing the ring. Keep in mind that more often than not, your insurer will replace the ring.
A stand-alone policy is a type of insurance that is specially designed to protect valuable items. If you purchase a floater or stand-alone policy, however, your insurance company will probably require you to have your ring appraised by a certified jeweler.

Finally, while you're at it, now may be a good time to review the adequacy of your insurance coverage for all of your valuable items (e.g., your engagement ring, china, silver, or crystal). If you need help finding out if your valuables are properly insured, contact your insurance agent or insurance company for more information.

Keeping your ring safe

  • Have a jeweler periodically check your ring for loose prongs, worn mountings, etc.

  • Whenever you take off your ring, always put it in the same place. That way, you won't ever forget where you put it!

  • If you remove your ring when you wash your hands, be careful not to leave it by the sink where it can accidentally fall down the drain.

  • Be careful while cleaning or doing household chores. Harsh chemicals can damage precious stones and metals, and a rough blow can easily dislodge a stone from its setting.

  • Be careful not to lose your ring when you go for a swim, especially if your fingers are slippery from tanning lotion or sunscreen.



Anonymous Tammy said...

You are so right…I wish I had insured my ring. Wednesday night I made meatloaf and took the ring off after already having placed my hands in the meatloaf. I laid it on the counter and sure enough the ring was either accidentally thrown into the garbage or swallowed by one of our dogs. Either way we have been through all of the doggie doo and the trash and its no where to be found. My heart is broken and I can’t get it replaced. I didn’t have insurance on it and for now I cant afford to purchase another. I wished I had thought of insurance 7 years ago.

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