The Jewelry Box Blog

Insurance can be confusing. The insurance industry uses a lot of specific jargon that you likely do not use on a regular basis. (Deductibles, and premiums, and claims! Oh, my!)

Don't let these unknowns steer you in the wrong direction. Let's clear up some of these gray areas - right here, right now. We want you to feel as confident as possible that you're choosing the best insurance plan for you.

In most cases, insuring an engagement ring is much more affordable than you think. Which is great, since protecting your jewelry is one of the best things you can do to safeguard yourself from unnecessary heartache (and financial hardship).

So, how much does it cost to insure an engagement ring?

Finding out your homeowners or renters insurance falls short after you’ve already lost your ring leaves you wondering what to do next.

Do you pay for a replacement out of your own pocket? Or go without a ring?

Rock. Hard place.

So how do you know which insurance option won't leave you empty-handed when the unexpected happens? The first step is understanding exactly which situations are covered and for how much.

As wearable technology evolves, more tech companies are collaborating with jewelry manufacturers and designers to keep smart jewelry on the forefront of fashion.

And it’s not only with smart watches. We’re starting to see wearable tech that isn’t even recognizable as such at first glance – it’s just as beautiful as high-end fine jewelry.

First things first. There should be no difference between a "jewelry appraisal for insurance" and any other type of jewelry appraisal.

All too often, jewelers hear, "I don't want to pay a lot for an appraisal. I only need it to get my jewelry insured."

Shelling out your hard-earned cash for something intangible, that you will hopefully never use, is never fun. However, there is no point in paying for your insurance if it will leave you hanging when you actually need it - all because you didn't want to pay more than the minimum to get an accurate, thorough appraisal.

A well-fitting ring is a safe ring. Ensuring a proper fit helps safeguard against rings flinging off with your gloves or needing a surprise ring-removal ER trip after an allergic reaction or a long day out in the hot sun.

Deciding to resize your ring is the first step. But who pays for it? You? Your jeweler? Your insurance company?

Warranty. Homeowners insurance rider. Specialized jewelry insurance.

What in the world is the difference?

Those who wonder how much gold is worth likely fall into two camps:

1. Gold buyers and sellers
2. Curious gold jewelry owners

This article is for the latter.
 

Everyone wants to save a little money when they can, right?

As with any insurance, there are certain safety precautions you can take to pay a lower jewelry insurance cost.

Technology is fickle. The newest, best gadget becomes obsolete faster than you can master its function. Sometimes it's hard to rationalize buying the newest phone, computer or smart watch, much less find a good reason to invest in protecting it.