All about Wedding Ring Insurance

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All about Wedding Ring Insurance

The time you say your sweetest yes to the one kneeling in front of you and the moment you say “I do” are precious moments that won’t be complete without a ring on your finger. It is perhaps one of the most important possessions every married couple will ever have.

There are wedding bands for nurses and people from all walks of life. There are also ones made from the ever-popular and classic metals such as gold and silver. Meanwhile, other ring materials are becoming popular these days, such as rubber, silicone, and more. Regardless of the ring material, it is important to take care of your ring and make sure that it will last for a lifetime.

Why you should spend on ring insurance

Life is unpredictable. There will be good times as well as bad times. The latter might include losing your ring. Never mind that your wedding ring doesn’t fit your finger anymore over the years (due to the obvious reasons). But losing your wedding ring is another story.

This is where ring insurance enters the scene. Ring insurance protects your ring more than its corresponding price tag. It also protects the sentimental value of your ring. You can avail of ring insurance through homeowners’ insurance or a jewelry insurance company.

First, you have to have your ring appraised by an experienced gemologist. This will determine the actual value of your ring. Make sure that you have the receipt to avail of the insurance. You should also determine whether the ring insurance is covered by an existing homeowner’s policy. Otherwise, you have to get a separate insurance policy.

You should also read the fine print to know more about what is covered in your policy. This will help you how the insurance will work in case something does accidentally happen to your ring. You should do your part in keeping your wedding rings in its best condition.

Owning a ring is a responsibility

Set of golden and silver rings in a case

A ring is one of the most important possessions every married couple will have. This means you have the responsibility of taking care of it and making sure it will last for a very long time. This includes having it cleaned regularly by professional jewelry cleaners. Likewise, it is not a good idea to wear them when you work out or do household chores.

However, the worst thing that could happen is losing your precious ring somewhere. It can be upsetting, not only for you but also for your spouse. After all, it is the ultimate symbol of your commitment, loyalty, and love. Most rings also do not come cheap, so it can be quite a hassle on the budget to buy a ring replacement.

If you want to avoid these worst-case scenarios, it can be a good idea to have your ring insured. Yes, there is also such a thing as ring insurance. It might not be as exciting as planning for your wedding or honeymoon. However, it can be one of the best things you and your spouse can do to protect your wedding rings.

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