Life happens. No matter how hard we try, we cannot plan for the unexpected.

That’s why you get home, auto, life, and, of course, jewelry insurance. It’s your safety net so that if something happens, you can fix it and forget it. But how exactly do you file a jewelry insurance claim? What do you need to do?

All too often we get phone calls that start out, “I was taking a shower, and ...”

What comes next? You guessed it - a story about how a piece of jewelry was suddenly washed down the drain.

What's not covered under homeowners insurance? (At least not well enough.)

Spoiler: It's jewelry.

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?