Why Do You Need Engagement Ring Insurance What Questions To Ask About Wedding Ring Insurance
People are buying engagement ring insurance more than ever before. There is no doubt that homes, cars and health are being insured. Large investments are to be insured for peace of mind. There is no reason not to also invest in wedding ring insurance, is there? Some people might think it is no longer necessary, but more than the cost of the ring, the sentimental value is priceless.
No matter how hard you try taking care of the ring, accidents are bound to happen. Sometimes, the ring can be damaged by simple house cleaning chores or doing our daily activities. Those who are engaged in sports could loosen some stone during one of your games. If you are newly engaged, you may want to preserve the ring not only until your wedding day but you wanted it to stand the test of time. For you not to worry about loss, damage and theft, it is best to enroll it in an engagement ring insurance policy.
Your engagement ring insurance should cover warped band, twisted settings or missing stones. Stones are always bound to get loose. Perhaps, this is the most common among damages. Dipping your hand in water with your ring on can bring further damage. Sometimes when we wash our hands and we forgot to remove our ring and it ended up down the sink. There are times when you wash your hands in hotels and restaurants and you are aware that the ring is on, you remove it before you wash your hand but forget to put it back on. Your ring can be lost even when you are walking and it suddenly slips in your finger. Accidents do happen, it is best to look into wedding ring insurance now.
If you are too curious with your engagement ring and you keep on looking at it wherever you go to ensure its safety, it would be a bit awkward. Soon enough, even thief would spot you and can become a target. Small pieces of jewelry can easily be sold by these people. Getting engagement ring insurance would assure you that the ring is protected no matter happens.
Before getting a policy, you might want to ask few questions such as, the exact coverage of the insurance (loss, damage, theft). Should the ring need replacement, how will they do it? Is the ring insured in full cost or just a fraction of its cost? What are the things needed in case you need to claim your insurance?
An average cost of the insurance is about a dollar or two for every hundred. If you do have a safe, the cost can be lower. No matter what the cost is, securing it through engagement ring insurance can give you peace of mind.
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