Southern Weddings

Tag: jewelry insurance

Hey, newly-engaged friends! Have you moved on from that constantly-staring-at-your-ring phase? No? That’s okay, it’s a good one :) But when you do, you’re going to want to make sure you know exactly how to take care of that pretty sparkler so it stays in tip-top shape. We asked our friends at Jewelers Mutual Insurance Company, a company that specializes in protecting jewelry, for a few of their best tips, and here’s what they had to say…

Do regularly clean your ring at home. Jewelers Mutual recommends gently scrubbing your ring with a soft, baby-size toothbrush in a bowl of Dawn dish detergent and warm water. Dry it with a paper towel or regular cloth, being careful not to snag the prongs. Steer clear of open drains and floor vents – eek!

Do visit your jeweler twice a year for a professional cleaning and inspection. I only do this once a year, but I always do it in the month of my wedding anniversary so it’s easy to remember! My jeweler will do a cleaning and inspection for free for past clients — perhaps yours will, too!

Don’t wear your ring while doing certain activities. Jewelers Mutual recommends removing your ring before swimming, exercising, applying sunscreen and bug spray, gardening, and cooking with your hands. Which I’m sure is exactly what responsible people do. But can I tell you a secret? I leave my ring on for all of those things, mostly because I’m more afraid I’ll lose it by constantly taking it off than I am it will get damaged! If you’re going to go my route, be extra good about getting your ring cleaned and inspected regularly. And if you’re going to go the recommended route, choose one safe spot where you always keep your ring when it’s not on, like a pretty box or bowl.

Don’t pack your jewelry in a checked bag. Always wear it on your person or pack it in a carry-on, and handle your carry-on yourself. I’ve heard way too many sad tales of lost bags and airport mishaps to do otherwise!

Do turn your ring around if you’re traveling in a dangerous area. It’s a simple step to minimize exposure.

Do insure your ring. When I think about how much my ring means to me and how devastated I would be if I lost and couldn’t replace it, insuring it is a no-brainer. The cost is typically 1-2% of the value of your ring, and with Jewelers Mutual, you can choose your own deductible. They also cover replacement due to loss, theft, damage, mysterious disappearances (which, let’s be honest, most ring disappearances would probably be filed under “mysterious”), floods, and earthquakes. Many typical homeowners’ insurance policies only cover replacement due to theft.

For your own handy guide to all things cleaning and care for your engagement ring, download this guide from Jewelers Mutual today. While you’re there, get a quick quote to see how easy it is to protect your new sparkler. And now tell me (and be honest!): do you take your ring off or leave it on for things like swimming, exercising, and baking?

This post is sponsored by Jewelers Mutual, a company we’ve worked with for years. Thanks for your support of the brands who make Southern Weddings possible!

emily Written with love by Emily
1 Comment
  1. avatar Ashley Seda reply

    So glad I found this blog! I had been having trouble working with my current insurance company to add-on my ring. So excited to try out Jewelers Mutual.

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Last week we talked about wedding insurance, and today, it’s all about insuring your most precious sparkly – your engagement ring!

I don’t know about y’all, but when I received my engagement ring, the FIRST thing I thought of was protecting that baby. Seriously, it was! (Okay, only if you don’t count my happiness at getting engaged to the love of my life – but that’s an obvious exception!) I was just given the most expensive thing I’d ever owned, and I was expected to wear it every day?? Out in public? Where hard objects could hurt it, or I could lose it? Stressful stuff, I tell you.

So of course, I did my research on insuring it. My friends’ and family’s first suggestion was to add a rider to our renter’s insurance, but I found the process frustrating, and I was never clear on what, exactly, the insurance would cover.

That’s why I love today’s sponsor, Perfect Circle. Their motto summarizes their best qualities, I think: “We cover real life.” For example, they understand that if you have a jewelry loss, you can’t always pinpoint how or where your jewelry went missing, so they cover “mysterious disappearance.” So true!

They also recognize that you live in your jewelry, and that gemstones will fall out or prongs will get bent. They cover that, too.

Another great distinction of Perfect Circle is that they replace with “same kind and quality,” and their goal is to make repaired or replaced jewelry virtually indistinguishable from the original. This is especially important when you have name-brand jewelry, such as Tiffany, Cartier, or Harry Winston. They also allow you to use the jeweler of your choice for the repair or replacement, and do not require multiple estimates, both of which are wonderful!

There are MANY more great advantages for choosing Perfect Circle, so if you’re still searching for the perfect insurer, I’d encourage you to check them out! You might want to start here, with their insurance coverage explanation, or here, where you can hear, in their own words, what sets Perfect Circle apart from other companies. Happy shopping!

Beautiful engagement photos by Julie Brewer. See more in her Facebook Friday feature here!

emily Written with love by Emily
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Southern Weddings reserves the right to delete comments which contain profanity or personal attacks or seek to promote a business unrelated to the post.  And remember: a good attitude is like kudzu – it spreads.  We love hearing your kind thoughts!

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