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Whether To Insure Engagement Rings Against Theft
When it comes to deciding whether to insure engagement rings, you need to make sure that there is adequate cover to keep your ring protected throughout your life. Previous articles have highlighted the importance of getting cover to protect you against the loss of the ring or anything happening to damage it, but you will also need to ensure that you have protection against theft.
Pawnshops do a roaring trade with diamond engagement rings and a thief can sell off a stunning piece of jewellery without much effort. Due to the emotiveness and great sentimentality attached to selling off an engagement ring, pawn brokers will rarely ask questions if a customer comes in to part with a ring. If you have an engagement ring that is stolen and the ring remains unrecovered then a high-quality insurance policy will help you to claim back the cost of your ring.
You will need to research your insurance policies as each one will vary in terms of the circumstances in which it will pay out. A homeowner policy will allow you to specify certain high-value items such as diamond engagement rings against home-related damage and theft, but you wouldn’t be covered due to damage caused by sports or household chores, for example. Other policies will replace the cash value of engagement rings at the time it has been stolen or damaged, and valued policies are those which take into account the ‘time and trouble’ invested in bespoke engagement rings and can be used well with heirloom jewellery.
At Marlows we can make the choosing of diamond engagement rings a memorable process with our stunning range.
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